Bank of Scotland Plc

Financial Ombudsman decision DRN0901934 Not upheld

Not upheldoutcome, as published by the Ombudsman

£104redress stated in the decision

Sat Jun 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

Mrs E complains that Bank of Scotland plc (trading as Halifax) defaulted her overdraft after she’d asked to close it down.Account closed or refused

Halifax explained that it had taken the step of defaulting the account because of the overdraft balance. But it offered to remove the default from her credit file if she cleared the debt within 60 days.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0901934.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.