Bank of Scotland Plc

Financial Ombudsman decision DRN-3859726 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Feb 01deadline 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

Unauthorised transaction, Service failure

In the Ombudsman’s words

The complaint Mr L and Mrs L complain that Bank of Scotland plc trading as Halifax wouldn’t refund a payment they didn’t make from their joint accountUnauthorised transaction

However, here there have been clearly been service failings by Halifax.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3859726.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.