Bank of Scotland Plc

Financial Ombudsman decision DRN-5798015 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 07deadline 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

In the Ombudsman’s words

Mrs M complains that Bank of Scotland plc (‘BOS’) haven’t reported information about her accounts to the Credit Reference Agencies (‘CRAs’) so she hasn’t got a positive credit history.Credit file reporting

Rules cited

FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5798015.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.