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Financial Ombudsman decision DRN4357129 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Oct 11deadline 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, Service failure

In the Ombudsman’s words

failed to explain that payments to his credit card were allocated to the balances on the previous month’s statementCharges and fees

Opus hadn’t explained clearly to Mr S that payments are allocated according to the balance on the previous months’ statements not the current monthService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4357129.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.