Bank of Scotland Plc

Financial Ombudsman decision DRN2257622 Not upheld

Not upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Tue Jan 06deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Halifax agreed to accept payments of £5 per month for six monthsTreatment in financial difficulty

wrongly passed his credit card account to debt collectors and recorded a default on his credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2257622.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.