National Westminster Bank Plc

Financial Ombudsman decision DRN-2227548 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 30deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Natwest are under an obligation to report accurate information to the credit referencing agencies regarding their customer’s accounts. So I’m not persuaded they’ve acted unfairly by failing to remove the default notice from her credit file.Credit file reporting

Miss C’s account was defaulted in May 2018. I appreciate that she was going through a very tough time and had been in and out of hospital, which subsequently resulted in the diagnosis of her health condition in August 2018.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2227548.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.