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Bank of Scotland Plc
Financial Ombudsman decision DRN-4819751 Upheld
Upheldoutcome, as published by the Ombudsman
£1,200redress stated in the decision
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, Mortgage administration
In the Ombudsman’s words
Halifax agreed that it had made full (or hard) credit searches in March and again when the underwriters reviewed the case in May, and these shouldn’t have been done.Credit file reporting
The complaint Mr C and Miss J complain about how Bank of Scotland plc trading as Halifax managed their application for a mortgage under its “Family Boost” scheme.Mortgage administration
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4819751.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.