Bank of Scotland Plc

Financial Ombudsman decision DRN-3245790 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Mon Feb 21deadline 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

Removing the credit search added to Miss B’s credit file as part of the mortgage applicationCredit file reporting

Halifax didn’t carry out appropriate checks or give her enough information about what it accepts as a deposit during her mortgage application.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3245790.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.