Bank of Scotland Plc

Financial Ombudsman decision DRN4972007 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Sun Sep 29deadline 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

Miss D complains that Bank of Scotland plc unfairly recorded a default on her credit fileCredit file reporting

Miss D complains that she has received poor service from Halifax in dealing with her credit card repayment arrangementsService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4972007.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.