Marks and Spencer plc

Financial Ombudsman decision DRN2039898 Not upheld

Not upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Sun Dec 22deadline to accept (not the decision date)

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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Marks & Spencer Bank imposed a late payment fee and registered a late payment entry on Mrs A’s credit file.Charges and fees

Mrs A complains that Marks & Spencer Financial Services Plc registered adverse information on her credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2039898.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.