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MARKS AND SPENCER FINANCIAL SERVICES PLC
Financial Ombudsman decision DRN5603432 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Feb 15deadline 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
In the Ombudsman’s words
Mr H complains that there’s been both misrepresentation and a breach of contract by Company A, as it’s retained the majority of his deposit for a conservatory build that couldn’t go ahead. But he was told the deposit would be returned in full in this circumstance.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5603432.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.