Platform Home Loans Ltd

Financial Ombudsman decision DRN1310231 Upheld

Upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Thu Oct 11deadline 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

declined their mortgage application and recorded information about them on the National Hunter databaseCredit file reporting

Platform didn’t uphold Mr M and Mrs T’s complaint. It said that its application hadn’t met their lending criteria. But it couldn’t say why it had reached that decision or comment on any information it had provided to third parties.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1310231.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.