Bank of Scotland Plc

Financial Ombudsman decision DRN5351226 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Jun 08deadline 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, Mortgage administration

In the Ombudsman’s words

It appears the mortgage application was declined due to an issue with Mr P’s credit file.Credit file reporting

Halifax incorrectly sent a letter saying their application had been declined on 9 December 2016.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5351226.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.