Bank of Scotland Plc

Financial Ombudsman decision DRN-2594240 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Apr 09deadline 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

Charges and fees, Complaint handling

In the Ombudsman’s words

Mrs W complains Bank of Scotland trading as Halifax (“HBOS”) unfairly charged her interest on her credit card account after returning a payment she’d made to clear the balance.Charges and fees

Unable to resolve things, Mrs W asked our service to look into her complaint. Our investigator didn’t uphold the complaint as he didn’t think HBOS had done anything wrong. And he thought it was unlikely it had switched Mrs W to paperless statements without her agreement. As Mrs W didn’t agree with our investigator, the case has been passed to me.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2594240.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.