Bank of Scotland Plc

Financial Ombudsman decision DRN3902495 Not upheld

Not upheldoutcome, as published by the Ombudsman

£55redress stated in the decision

—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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Halifax became aware of Mr E’s financial difficulties on 14 April 2013. Halifax entered into a repayment plan with Mr E and so acted positively and sympathetically.Irresponsible lending

Regarding the default, I find this has been entered correctly and accurately reflects Mr E’s credit position. Halifax has done nothing wrong by placing the default on his file or passing his account to a third party.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3902495.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.