Bank of Scotland Plc

Financial Ombudsman decision DRN-5942997 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Dec 17deadline 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

That he wanted Halifax to make a long-term payment arrangement with him.Treatment in financial difficulty

That the property this mortgage is secured on, is in a poor condition – but not that Mr L cannot get further lending to fund repairs because of marks on his credit file added before August 2023.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5942997.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.