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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN1516068 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Service failure

In the Ombudsman’s words

Mrs B said that she got her credit report, and discovered a new account on there, which she didn’t recognise.Credit file reporting

M&S is responsible, when a debt is sold, for informing the person who owes money that their debt has been sold.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1516068.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.