Bank of Scotland Plc

Financial Ombudsman decision DRN9307169 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Oct 26deadline 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

remove entries from Mr L’s credit files placed there by Bank of Scotland plc stating he was in arrears between January 2013 – April 2015Credit file reporting

Mr L complains that Bank of Scotland plc trading as Halifax (“Halifax”) gave him incorrect information about taking a payment holiday and caused his credit files to be affectedMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9307169.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.