Bank of Scotland Plc

Financial Ombudsman decision DRN5144552 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£650redress stated in the decision

—deadline 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

Charges and fees, Credit file reporting, Mortgage administration

In the Ombudsman’s words

Waive any fees that are directly related to the missed payments in January and February 2013.Charges and fees

Remove any adverse information it recorded on Ms E’s credit file in January and February 2013.Credit file reporting

Halifax made a mistake in not collecting the mortgage payments in January and February 2013.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5144552.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.