Bank of Scotland Plc

Financial Ombudsman decision DRN-2800311 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£15redress stated in the decision

Thu Jun 10deadline 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

Card dispute or chargeback, Complaint handling

In the Ombudsman’s words

Halifax should treat the payment as fraud and refund him the differenceCard dispute or chargeback

Halifax’s failure to respond to Mr E’s emails sooner or answer its phones was poor customer serviceComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2800311.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.