National Westminster Bank Plc

Financial Ombudsman decision DRN4891674 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Thu Feb 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

Credit file reporting, Service failure

In the Ombudsman’s words

He’d assumed his account manager had been looking after things while he was abroad. ... He eventually found out that a default had been applied against him.Credit file reporting

NatWest failed to update his address when he moved overseas. And it placed a default on his account and sent the correspondence to his ex-wife. So it caused him a great deal of embarrassment.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4891674.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.