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Bank of Scotland Plc
Financial Ombudsman decision DRN-3219181 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jan 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
In the Ombudsman’s words
Halifax looked into the matter, but it didn’t think it could help. It didn’t think it could pursue a chargeback because it didn’t have a reasonable prospect of success in its view.Card dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3219181.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.