Halifax Limited

Financial Ombudsman decision DRN4735772 Upheld

Upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Fri Oct 28deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Halifax shouldn’t have allowed cheques to debit one of Mr K’s account because they were signed by the fraudster without Mr K’s authority.Unauthorised transaction

to try and get any adverse information on Mr K’s credit file as a result of the account in question having gone overdrawn removedCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4735772.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.