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Co-operative Bank Financial Advisers Limited

Financial Ombudsman decision DRN4259518 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, Service failure

In the Ombudsman’s words

Co-op’s call notes indicate it asked for the second credit search to be removed, and the credit reference agency has told us it doesn’t have a record of the second application.Credit file reporting

Co-op tried to explain why Mrs A’s second application was turned down. But it gave conflicting reasons for why the application didn’t succeed.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4259518.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.