MBNA Limited

Financial Ombudsman decision DRN2330569 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Jul 04deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr M complains that MBNA Limited treated him unfairly in connection with the outstanding balance on his credit card account.Treatment in financial difficulty

Registering a default The offered payment amount [referring to the monthly payments, rather than a partial settlement offer] won’t be enough to prevent us registering a default with the credit reference agencies, even if you continue to maintain payments at this level.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2330569.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.