Bank of Scotland Plc

Financial Ombudsman decision DRN-3202019 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue May 17deadline 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, Charges and fees

In the Ombudsman’s words

Mr N has complained that Bank of Scotland plc trading as Halifax (“Halifax”) provided an overdraft to him that was unaffordable.Irresponsible lending

I don’t think it’s fair for Halifax to have charged any interest or associated fees to the account from November 2018 onwards.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3202019.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.