Halifax Limited

Financial Ombudsman decision DRN-3570558 Not upheld

Not upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Fri Oct 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

Halifax says Mr and Mrs K’s mortgage went into arears in November 2020, and the arrears weren’t paid off until July 2021. It started reporting adverse information on Mr and Mrs K’s credit files about the arrears in January 2021.Credit file reporting

The complaint Mr and Mrs K complain about the way Bank of Scotland plc (trading as Halifax) (“Halifax”) has managed their mortgage.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3570558.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.