Bank of Scotland Plc

Financial Ombudsman decision DRN-3212616 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jan 11deadline 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

Miss H complains Bank of Scotland plc (trading as Halifax) lent to her irresponsibly when it increased her overdraft limit.Irresponsible lending

She also considers it treated her unfairly when it continued applying charges and interest, while she was in financial difficulty.Treatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3212616.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.