Bank of Scotland Plc

Financial Ombudsman decision DRN-3635602 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Sep 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

Unauthorised transaction, Support for vulnerable customers

In the Ombudsman’s words

Halifax didn’t agree when Mrs H said she hadn’t opened a credit card which was taken out in her name, and it refused to refund her for the transactions on the card.Unauthorised transaction

She told us about her complaint, and also explained that she had mental health problems.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3635602.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.