Bank of Scotland Plc

Financial Ombudsman decision DRN-3118475 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Dec 21deadline 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

Irresponsible lending, Treatment in financial difficulty

In the Ombudsman’s words

Halifax should not have continued to offer Mr P his overdraft once it became aware of his gambling problem and financial difficulties in April 2020Irresponsible lending

agree an affordable repayment plan for Mr P to pay back his overdrawn balanceTreatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3118475.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.