Bank of Scotland Plc

Financial Ombudsman decision DRN-6046370 Not upheld

Not upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Thu Mar 19deadline 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

Halifax requested repayment of the refunded amount and went on to default and then sell the loan account to a third partyTreatment in financial difficulty

Miss S and Mr T’s account was defaulted and recorded with the Credit Reference AgenciesCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6046370.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.