Bank of Scotland Plc

Financial Ombudsman decision DRN3246702 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Wed Dec 17deadline 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, Complaint handling

In the Ombudsman’s words

Miss T complains that Bank of Scotland plc unfairly registered a default on her credit fileCredit file reporting

I also agree with Miss T that Bank of Scotland should not have told her that the default would be removed if she paid off the outstanding balance.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3246702.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.