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Virgin Money plc

Financial Ombudsman decision DRN9751517 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

Charges and fees, Interest and rates, Credit file reporting

In the Ombudsman’s words

I recognise that Mr U isn’t happy about the late payment charge Virgin applied to this account.Charges and fees

Virgin said this payment had been received late as it had been due by 1 April 2019. So, it withdrew his promotional 0% interest rateInterest and rates

I understand that Virgin has recorded late payment information on Mr U’s credit file, which he would like removed.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9751517.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.