Bank of Scotland Plc

Financial Ombudsman decision DRN7113123 Not upheld

Not upheldoutcome, as published by the Ombudsman

£393redress stated in the decision

Sun Feb 24deadline 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

failed to tell them that their account was in arrears and so has unfairly registered adverse information on their credit fileCredit file reporting

Mr and Mrs N’s mortgage fell into arrears in late 2009Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7113123.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.