Bank of Scotland Plc

Financial Ombudsman decision DRN-3244741 Upheld

Upheldoutcome, as published by the Ombudsman

£23,827redress stated in the decision

Mon Feb 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Halifax did not uphold his complaint. They said it was decided a short term repayment plan was not appropriate at the time, as Mr F was unsure when his circumstances would improve.Treatment in financial difficulty

Mr F complains that Bank of Scotland plc trading as Halifax have unfairly registered a default on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3244741.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.