Bank of Scotland Plc

Financial Ombudsman decision DRN6288627 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr B complains Bank of Scotland plc trading as Halifax (“Halifax”) gave him an unaffordable overdraft limit.Irresponsible lending

He also asked Halifax to remove the late payment markers from his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6288627.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.