Bank of Scotland Plc

Financial Ombudsman decision DRN8920611 Upheld

Upheldoutcome, as published by the Ombudsman

£3,000redress stated in the decision

Sat Feb 22deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr B has complained Bank of Scotland plc, trading as Halifax, is holding him liable for a loan of £40,000 which he didn’t take out.Unauthorised transaction

Make sure all references to this loan and overdraft limit are removed from his credit record;Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8920611.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.