Bank of Scotland Plc

Financial Ombudsman decision DRN4926092 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Mar 07deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Miss K complains that Bank of Scotland plc (trading as Halifax) didn’t properly advise her that she’d incur arrears on her loans and her credit file would be affected when she entered into a payment arrangement, during a period of financial difficulty.Treatment in financial difficulty

Miss K complains that Bank of Scotland plc (trading as Halifax) didn’t properly advise her that she’d incur arrears on her loans and her credit file would be affected when she entered into a payment arrangement, during a period of financial difficulty.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4926092.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.