Bank of Scotland Plc

Financial Ombudsman decision DRN-3764929 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

Tue Nov 29deadline 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

Halifax said that it had recorded a late payment on Mr T’s credit file about the payment that was due from him in April 2022Credit file reporting

Mr T complains about the way that Bank of Scotland plc, trading as Halifax, has dealt with his credit card account after he disputed three payments.Card dispute or chargeback

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3764929.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.