Bank of Scotland Plc

Financial Ombudsman decision DRN-3660806 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Mon Sep 19deadline 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, Service failure

In the Ombudsman’s words

Mr G complains that Bank of Scotland plc trading as Halifax unfairly declined to process a chargeback and a claim made under section 75 of the Consumer Credit Act 1974Card dispute or chargeback

Halifax acknowledged that it had provided poor service and given incorrect information initially on why a chargeback couldn’t be processed.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3660806.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.