Bank of Scotland Plc

Financial Ombudsman decision DRN1941641 Not upheld

Not upheldoutcome, as published by the Ombudsman

£5,014redress stated in the decision

Fri Feb 10deadline 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

In the Ombudsman’s words

Halifax also agreed to remove the late payment markers in respect of the credit card account from January 2015 onwards and to backdate the defaults on all three accounts to March 2015Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1941641.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.