Bank of Scotland Plc

Financial Ombudsman decision DRN-6296325 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Thu May 14deadline 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

Mr S is unhappy that Bank of Scotland plc (“BOS”) placed an unnecessary barrier in the way of him obtaining a Pay As You Grow (“PAYG”) option on his Bounce Back Loan (“BBL”)Treatment in financial difficulty

BOS must also amend their credit file reporting so that the November payment does not show as being missed or late.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6296325.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.