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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN7979273 Not 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

Treatment in financial difficulty, Complaint handling

In the Ombudsman’s words

A bank has a duty to consider circumstances of financial hardship positively and fairly but that doesn’t necessarily mean it should refund charges and interest that have been incurred.Treatment in financial difficulty

I’m sorry Miss O didn’t feel I’d acknowledged what she said about the information M&S Bank told her about the charging order.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7979273.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.