Halifax Limited

Financial Ombudsman decision DRN-6005207 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Mar 25deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Halifax shouldn’t have continued to offer Mr M an overdraft on the same terms once the account became his sole responsibility in September 2024. An assessment of his circumstances at the time likely would’ve determined the overdraft to be unaffordable.Irresponsible lending

Halifax should remove two late payment markers it recorded, in August and September 2024.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6005207.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.