Bank of Scotland Plc

Financial Ombudsman decision DRN-1943174 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Sep 03deadline 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, Card dispute or chargeback

In the Ombudsman’s words

The complaint Mr and Mrs M complain that Bank of Scotland plc (trading as Halifax) allowed a payment to be debited from an expired debit card on their account.Unauthorised transaction

I’ve listened to a call involving Mr M when he was in branch querying the payment with one of Halifax’s advisors in its card disputes team.Card dispute or chargeback

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1943174.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.