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Bank of Scotland Plc
Financial Ombudsman decision DRN-3816306 Not upheld
Not upheldoutcome, as published by the Ombudsman
£350redress stated in the decision
Tue Jan 17deadline 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
Halifax considered its potential liability under section 75 of the Consumer Credit Act 1974 (“CCA”) but declined to provide a refund as it considered R had fulfilled its contract with Miss L.Card dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3816306.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.