Bank of Scotland Plc

Financial Ombudsman decision DRN3270616 Not upheld

Not upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Tue Dec 29deadline 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

I don’t find that the bank acted unreasonably when it did this... The bank agrees that it shouldn’t have registered a default against Mr D’s credit file in March 2013.Credit file reporting

Mr D complains that Bank of Scotland plc acted wrongfully when it issued a second default notice in 2014.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3270616.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.