Bank of Scotland Plc

Financial Ombudsman decision DRN-1833570 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Sep 21deadline 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, Account closed or refused

In the Ombudsman’s words

Halifax received a report that a payment of £400 credited to one of Miss O’s accounts wasn’t authorised.Unauthorised transaction

Miss O complains that Bank of Scotland plc trading as Halifax UK has closed her accountsAccount closed or refused

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1833570.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.