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MARKS AND SPENCER FINANCIAL SERVICES PLC
Financial Ombudsman decision DRN6856365 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Apr 12deadline 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
Credit file reporting, Complaint handling
In the Ombudsman’s words
Mrs M complains that Marks & Spencer Financial Services Plc declined her credit card application based on information over 20 years old.Credit file reporting
She also complains about poor customer service and that M&S Bank is in breach of data protection laws in holding information about her for as long as it did.Complaint handling
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6856365.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.