Santander UK Plc
Financial Ombudsman decision DRN-3228265 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Apr 07deadline 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
Account closed or refused, Credit file reporting
In the Ombudsman’s words
Santander closed E’s account, writing off the overdrawn balance.Account closed or refused
I also think as there was an overdrawn balance on the account which hadn’t been cleared, it was fair for Santander to apply a default after more than six months had passed. So I won’t be asking it to remove the default from E’s credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3228265.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.