Halifax Limited

Financial Ombudsman decision DRN-4629832 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 06deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr H complains that Bank of Scotland plc trading as Halifax (“Halifax”) is holding him liable for the debt on a loan which he says he neither applied for nor knew about.Unauthorised transaction

remove reference to the loan from Mr H’s credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4629832.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.