Bank of Scotland Plc

Financial Ombudsman decision DRN4610515 Not upheld

Not upheldoutcome, as published by the Ombudsman

£320redress stated in the decision

Mon Oct 10deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Mr S complains that Bank of Scotland plc (trading as Halifax) unfairly applied charges to his accountCharges and fees

Halifax had placed the debt with external recovery agents, and Mr S had been making repayments towards it. Halifax did not accept that the problems identified by Mr S had been caused by its doing anything wrong, but said it would write off the outstanding balance of £650. It also paid Mr S £500 and agreed to remove the default on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4610515.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.