Bank of Scotland Plc

Financial Ombudsman decision DRN-4602138 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue May 28deadline 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

didn’t notify her of a failed direct debit, until it was too late for her to avoid an adverse mark on her credit fileCredit file reporting

Mrs K complains that Bank of Scotland plc trading as Birmingham Midshires Mortgages didn’t notify her of a failed direct debitMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4602138.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.