Bank of Scotland Plc

Financial Ombudsman decision DRN-2823174 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jun 18deadline 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, Mortgage administration

In the Ombudsman’s words

Mr S complained that an arrangement he’d made with Bank of Scotland plc trading as Halifax to miss payments on his mortgage for two months has affected his credit file.Credit file reporting

Mr S was made redundant in early 2019, and agreed with Halifax that he wouldn’t pay his mortgage for two months.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2823174.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.