Bank of Scotland Plc

Financial Ombudsman decision DRN8960437 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

—deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

complain that Bank of Scotland plc (trading as Halifax) didn’t do enough to support them during a period of difficulty in meeting their mortgage repayments.Treatment in financial difficulty

Halifax correctly recorded the payment situation on Mr Band Mrs C’s credit file because although their offer of a reduced payment was accepted no formal arrangement was ever agreed.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8960437.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.