Bank of Scotland Plc

Financial Ombudsman decision DRN3010461 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sun Jul 22deadline 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

Halifax then closed Mr J’s current account and reported the matter to CIFAS.Account closed or refused

Mr J has complained that Bank of Scotland plc (trading as Halifax) have unfairly placed a warning about him on the CIFAS (Credit Industry Fraud Avoidance System) databaseCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3010461.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.