Bank of Scotland Plc

Financial Ombudsman decision DRN6500545 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Nov 23deadline 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

Interest and rates, Credit file reporting

In the Ombudsman’s words

Halifax accepts giving Mrs H conflicting information when the interest free period endedInterest and rates

the only way to avoid the interest being repaid would be for the account to be closed which would affect Mrs H’s credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6500545.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.