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RBS Collective Investment Funds Limited

Financial Ombudsman decision DRN3724207 Upheld

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, Support for vulnerable customers

In the Ombudsman’s words

I’m, therefore, going to require RBS to remove any default it has recorded – assuming it has done so – and to make sure that Mr C’s credit file shows, at worse, that he’s been over his overdraft limit since March 2019 and that the overdraft has now been repaid in full.Credit file reporting

He then received a letter from RBS saying that the letter about closing his accounts had been sent in error. Mr C complained to RBS and then to us saying that he was a “vulnerable and disabled adult” who’d been treated unfairly.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3724207.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.