Bank of Scotland Plc

Financial Ombudsman decision DRN9778728 Upheld

Upheldoutcome, as published by the Ombudsman

£600redress stated in the decision

Thu Jul 05deadline 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

Halifax should’ve given Mrs H notice before the defaultTreatment in financial difficulty

registered a default against Mrs H, without giving her a chance to pay off the debtCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9778728.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.