Bank of Scotland Plc

Financial Ombudsman decision DRN-3466715 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jun 03deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Miss B complains that Bank of Scotland plc trading as Halifax lent irresponsibly when it approved a loan.Irresponsible lending

I don’t think it would be fair for Halifax to record adverse information on Miss B’s credit file when it lent irresponsibly.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3466715.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.