Bank of Scotland Plc

Financial Ombudsman decision DRN-4615737 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr V complains that Bank of Scotland plc, trading as Halifax, were unreasonable to turn down his loan application.Irresponsible lending

Halifax have an obligation to report accurate information to the credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4615737.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.