Halifax Limited

Financial Ombudsman decision DRN-3713850 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 25deadline 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

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

it won’t have acted fairly and reasonably towards Mrs S if it applied any interest, fees and charges to Mrs S’s account in circumstances where it was aware, or it ought fairly and reasonably to have been aware Mrs S was experiencing financial difficulty.Treatment in financial difficulty

Mrs S complains that the change in Bank of Scotland plc trading as Halifax (“Halifax”) overdraft charging structure was unfair and is making it difficult to pay her overdraft back.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3713850.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.