Halifax Limited

Financial Ombudsman decision DRN-3872037 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Feb 07deadline 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

Mr E has complained about an overdraft and subsequent limit increases Bank of Scotland Plc (trading as “Halifax”) provided to him. He says the overdraft and subsequent limit increases were unaffordable and shouldn’t have been provided.Irresponsible lending

Halifax should remove any adverse information it has recorded about this overdraft from Mr E’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3872037.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.