Bank of Scotland Plc

Financial Ombudsman decision DRN8810336 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 10deadline 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, Product mis-sold

In the Ombudsman’s words

He is concerned that he received a default notice, that his debt has been given to a debt collection agency, and that his credit file has been affected.Credit file reporting

Mr K complains that Bank of Scotland plc (trading as Halifax) misled him during a conversation about lowering his loan repayments whilst he was studying.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8810336.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.