Bank of Scotland Plc

Financial Ombudsman decision DRN-3955763 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 28deadline 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

Irresponsible lending, Treatment in financial difficulty

In the Ombudsman’s words

Mr D says Lloyds Bank PLC (“Lloyds”) acted irresponsibly by allowing him an overdraft and increasing his limit to £5,000 when it ought to have known he had a gambling disorder.Irresponsible lending

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

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3955763.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.