Bank of Scotland Plc

Financial Ombudsman decision DRN2900418 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—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

Halifax issued a default notice in June 2011, which may have been slightly premature - but given that no credits were made until September 2011 - the adjudicator was satisfied that Miss B would not have done anything differently even if the default notice was issued later.Charges and fees

And the default was registered on the credit file in July 2011.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2900418.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.