Bank of Scotland Plc

Financial Ombudsman decision DRN9197728 Not upheld

Not upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Thu Nov 19deadline 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, Mortgage administration

In the Ombudsman’s words

Ms L is especially unhappy Halifax has registered a default on her credit file and this is at the heart of her complaint.Credit file reporting

Halifax says it generally has to act when it receive a direct debit guarantee claim. But in this case there was a dispute flag on the joint account so it should have looked into this before making the payment.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9197728.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.