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Halifax Limited

Financial Ombudsman decision DRN-5978521 Not upheld

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

Mortgage administration, Data and privacy

In the Ombudsman’s words

The complaint includes how Halifax treated a promissory note Mr D presented to it in 2022, debt recovery action (including referring the account to a third-party recovery agent) and how Halifax handled a data subject access request (DSAR) that Mr D made to it.Mortgage administration

Halifax has accepted that in its DSAR response on 22 September 2022 it did not provide a copy of the letters dated 22 February 2022 and 7 September 2022.Data and privacy

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5978521.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.