Halifax Limited

Financial Ombudsman decision DRN1960582 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£6,000redress stated in the decision

—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

Charges and fees, Credit file reporting

In the Ombudsman’s words

I did not consider arrears charges to be justified and said that any incurred from March 2010 should be refundedCharges and fees

incorrectly recorded their mortgage as being in arrears, having an adverse impact on their credit ratingsCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1960582.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.