Bank of Scotland Plc

Financial Ombudsman decision DRN-3653539 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 22deadline 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

Card dispute or chargeback, Complaint handling

In the Ombudsman’s words

Mr S has complained Bank of Scotland plc trading as Halifax (Halifax) won’t refund him for transactions he made on his credit card to an online marketplace for holiday rentals.Card dispute or chargeback

I think the £100 it’s paid in recognition of that broadly seems fair in all the circumstances.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3653539.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.