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Bank of Scotland Plc
Financial Ombudsman decision DRN-3657687 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Oct 03deadline 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
I don’t think it would be reasonable to have expected Lloyds to have immediately removed the funds from X’s account when Mrs O contacted it on 2 July 2021. It was already around 5.25pm when she contacted it. Lloyds did process Mrs O’s claim the next working dayPayment delayed or failed
Rules cited
Payment Services Regulations 2017
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3657687.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.