Bank of Scotland Plc

Financial Ombudsman decision DRN-3104664 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Feb 08deadline 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

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

Halifax should have stopped charging overdraft fees from 8 February 2019 as by this point it was clear Mr S was in financial difficulty.Treatment in financial difficulty

Mr S has complained that Bank of Scotland plc trading as Halifax (“Halifax”) overdraft charges have caused him financial hardship for years.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3104664.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.