Bank of Scotland Plc

Financial Ombudsman decision DRN-5618930 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Apr 10deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr H complains Bank of Scotland plc trading as Halifax unfairly defaulted his credit card account.Treatment in financial difficulty

Halifax has provided the default notice it issued to Mr H in March 2024 and the final demand from July 2024Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5618930.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.