Bank of Scotland Plc

Financial Ombudsman decision DRN-3616905 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 11deadline 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, Card dispute or chargeback

In the Ombudsman’s words

the outstanding debt meant he lost a good interest rate on his mortgage application which he said cost him £590 in extra interestCredit file reporting

a third party called to change the address on a credit card in his name and then asked for a new card and PIN number. Following this, the third party spent money on the credit cardCard dispute or chargeback

Rules cited

UK GDPR / Data Protection Act 2018

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3616905.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.