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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN9341131 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

Irresponsible lending, Interest and rates

In the Ombudsman’s words

Mrs T complains that Marks & Spencer Financial Services Plc (t/a M&S Bank) was irresponsible in providing her with a credit cardIrresponsible lending

and then increasing the card limit and the interest rate.Interest and rates

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9341131.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.