Bank of Scotland Plc

Financial Ombudsman decision DRN3447798 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

Account closed or refused, Charges and fees, Credit file reporting

In the Ombudsman’s words

The bank had decided to close the accountAccount closed or refused

charges have been applied to his debtCharges and fees

the bank had recorded information on his credit file about thisCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3447798.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.