Bank of Scotland Plc

Financial Ombudsman decision DRN1139438 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Mon Apr 04deadline 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, Service failure

In the Ombudsman’s words

amend the information on Mrs M’s credit file about the debt to reflect the reduced liabilityCredit file reporting

Halifax was not obliged to release Mrs M from all liability for the debt, but it should have crystallised her joint and several liability at that point.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1139438.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.