Bank of Scotland Plc

Financial Ombudsman decision DRN3861172 Not upheld

Not upheldoutcome, as published by the Ombudsman

£737redress stated in the decision

Sun Nov 18deadline 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

Miss N is also concerned about her credit records. Lenders are required to report arrears and payment plans to credit reference agenciesCredit file reporting

Miss N complains that Bank of Scotland Plc trading as Halifax (“Halifax”) acted unfairly and unreasonably when dealing with her mortgage application.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3861172.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.