Bank of Scotland Plc

Financial Ombudsman decision DRN-4543971 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Feb 05deadline 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, Mortgage administration

In the Ombudsman’s words

in a further consequence of Halifax’s failure to put this application on hold, it ran a hard credit search which was recorded on Miss B’s credit file. Halifax also appears at least initially to have refused to remove that.Credit file reporting

Halifax said it was sorry that things hadn’t gone smoothly with Miss B’s mortgage application. It accepted that Miss B and her representatives had faced long wait times to speak to it, and that it had failed to put her mortgage application on holdMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4543971.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.