Bank of Scotland Plc

Financial Ombudsman decision DRN8417748 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Mon Nov 09deadline 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

Mr P joined Experian to check his credit status and provided evidence that he has the highest rating, so there was no problem with his credit history.Credit file reporting

Halifax did not provide a clear and concise response when Mr P’s first application for a card was declined.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8417748.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.