Bank of Scotland Plc

Financial Ombudsman decision DRN2340402 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 05deadline 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

In September 2015 he contacted Halifax as he was experiencing financial difficulties. It agreed to put a payment plan in place where Mr S would make reduced payments of £350 per month for six months.Treatment in financial difficulty

Mr S complains that Bank of Scotland Plc (trading as Halifax) didn’t tell him that reduced payment plans would have an impact on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2340402.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.