MBNA Limited

Financial Ombudsman decision DRN6158058 Not upheld

Not upheldoutcome, as published by the Ombudsman

£347redress stated in the decision

Wed Dec 21deadline 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

MBNA Limited has not treated her fairly in that it charged excessive default fees on her credit card accountCharges and fees

wrongly issued a default and did not apply her PPI refund to reduce her arrears and prevent her account from defaulting. She would like MBNA to recall the debt from the collections agency it was sold to, and remove associated adverse information from her credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6158058.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.