Bank of Scotland Plc

Financial Ombudsman decision DRN4949675 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Fri Apr 20deadline 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

I didn’t think it was fair for the bank to chase Ms O for this debtIrresponsible lending

Remove any reference to the overdraft balance from Ms O credit file and remove reference to the joint account from her credit file from the end of 2016Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4949675.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.