Bank of Scotland Plc

Financial Ombudsman decision DRN-3376663 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 14deadline 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 R has complained that Bank of Scotland plc (trading as Halifax) was irresponsible to give her an overdraft given her financial circumstances at the time.Irresponsible lending

She says that she has asked for help to repay the overdraft but that the assistance Halifax has offered has not been good enough.Treatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3376663.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.