Bank of Scotland Plc

Financial Ombudsman decision DRN-3937863 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Mar 31deadline 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

Halifax’s terms and conditions explain that it can close an account where it suspects fraudulent activity.Account closed or refused

The type of marker that Halifax reported here is in relation to a ‘misuse of facility’ – this is in relation to the account being used to receive fraudulent funds.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3937863.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.