Bank of Scotland Plc

Financial Ombudsman decision DRN-3822420 Upheld

Upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Wed Dec 21deadline 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

Payment delayed or failed, Service failure

In the Ombudsman’s words

unhappy with the service they received from Bank of Scotland plc, trading as Halifax, surrounding the declining of attempted payments on a debit card.Payment delayed or failed

it’s more likely than not that the issues that Mr H and Ms M have experienced here are the result of an error made by Halifax surrounding the incorrect assigning of the two debit cardsService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3822420.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.