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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN6451395 Upheld

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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

Mrs E complains that Marks & Spencer Financial Services Plc (“M&S”) didn’t close her credit card account when she asked it to.Account closed or refused

Then she said that M&S had told the credit reference agencies about her late payments.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6451395.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.