Bank of Ireland (UK) Plc

Financial Ombudsman decision DRN0743891 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

BOI is required to report accurately the position on the account. So I’m not persuaded it has acted wrongly here in reporting the arrears to the credit reference agenciesCredit file reporting

BOI correctly treated the payment it made on behalf of Mr and Mrs G as arrears, in accordance with the mortgage conditions.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0743891.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.