Bank of Scotland Plc

Financial Ombudsman decision DRN7908551 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Apr 27deadline 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, Complaint handling

In the Ombudsman’s words

Mrs L complains that Bank of Scotland plc (trading as Halifax) unfairly registered a default against her mortgage with a credit reference agency.Credit file reporting

Halifax did not inform her of the arrears until December 2012Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7908551.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.