Halifax Limited

Financial Ombudsman decision DRN-5985008 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Jan 01deadline 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

I know Miss S’ view is that a default was disproportionate in her circumstances... I do think Halifax tried to work with her to repay the debt in a sustainable and achievable way. It applied informal 30-day hold periods... and it agreed to a repayment plan with Miss S.Treatment in financial difficulty

Miss S complains that Bank of Scotland plc, trading as Halifax, unfairly recorded a default against her.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5985008.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.