Bank of Scotland Plc

Financial Ombudsman decision DRN-4942294 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Sep 03deadline 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

Miss U wasn’t responsible for the account being defaulted so it’s unfair that this impacts adversely on her credit file.Credit file reporting

Halifax apologised for the time taken to respond and said it was sorry that it didn’t give notice to Miss U before it applied a default to her credit file.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4942294.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.