Bank of Scotland Plc

Financial Ombudsman decision DRN7983788 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 06deadline 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

When Ms F took out the loans in 2011, she was living with her partner. The bank considered their joint income when assessing whether the loans would be affordable.Irresponsible lending

I can’t reasonably require Lloyds to remove the adverse entries from Ms F’s credit file as these properly reflect her financial situation.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7983788.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.