Bank of Scotland Plc

Financial Ombudsman decision DRN-5756237 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Sep 11deadline 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, Support for vulnerable customers

In the Ombudsman’s words

his credit card account was defaulted. The debt was then sold to a debt purchaser and ultimately a County Court Judgement (CCJ) was recorded on his credit file.Credit file reporting

Halifax hasn’t taken into account his disability, it hasn’t made reasonable adjustments for himSupport for vulnerable customers

Rules cited

FCA DISP (Dispute Resolution), UK GDPR / Data Protection Act 2018, Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook), Equality Act 2010

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5756237.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.