Bank of Scotland Plc

Financial Ombudsman decision DRN-5703979 Upheld

Upheldoutcome, as published by the Ombudsman

£400redress stated in the decision

Mon Aug 18deadline 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

BOS reported the new mortgage on their credit files despite it not being grantedCredit file reporting

declined their mortgage application unfairlyMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5703979.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.