Bank of Scotland Plc

Financial Ombudsman decision DRN-2029963 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Jan 13deadline 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, Product mis-sold

In the Ombudsman’s words

He also didn’t make the transaction on 21 July 2017 for just over £1,400.Unauthorised transaction

Mr S has complained Bank of Scotland plc, trading as Halifax, won’t accept he didn’t apply for the Halifax credit card he was sent in 2017.Product mis-sold

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2029963.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.