Bank of Scotland Plc

Financial Ombudsman decision DRN4400189 Not upheld

Not upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Mon Feb 27deadline 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

Mr M complains that Bank of Scotland plc (trading as Halifax) unfairly refused his loan application.Irresponsible lending

Halifax initially turned his application down and told Mr M this was due to an indicator on his account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4400189.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.