Bank of Scotland Plc

Financial Ombudsman decision DRN6136185 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Mon Jan 18deadline 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

So Mr A’s credit file has adverse entries.Credit file reporting

BOS stopped taking payments for this account in 2012 without Mr A’s request or consent and has failed to re-instate the necessary direct debit.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6136185.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.