Bank of Scotland Plc

Financial Ombudsman decision DRN-4769884 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jul 26deadline 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, Complaint handling

In the Ombudsman’s words

They explained that they had reduced Mr S’s credit limit following a review of information provided by the Credit Reference AgenciesCredit file reporting

He complained to Lloyds about it, and about the poor service he’d received in relation to two transactions that were declined but shouldn’t have been. He was also unhappy with the amount of time he’d been left on hold.Complaint handling

Rules cited

CRM Code (APP scam reimbursement)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4769884.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.