Bank of Scotland Plc

Financial Ombudsman decision DRN3219416 Not upheld

Not upheldoutcome, as published by the Ombudsman

£250redress 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

Halifax, in common with all lenders, is legally required to report accurate information to the credit reference agencies and I am satisfied it has acted properly in this regard.Credit file reporting

Halifax has offered £250 compensation for raising Mr and Mrs B’s expectations before declining their application for a secured loan.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3219416.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.