Bank of Scotland Plc

Financial Ombudsman decision DRN-3969016 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Mar 15deadline 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, Service failure

In the Ombudsman’s words

Mr R has complained that Bank of Scotland plc trading as Halifax recorded adverse information on his credit file.Credit file reporting

our investigator felt this had been a service failing.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3969016.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.