Bank of Scotland Plc

Financial Ombudsman decision DRN-3961699 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Apr 04deadline 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, Charges and fees

In the Ombudsman’s words

Mr L has complained that Bank of Scotland plc trading as Halifax (“Halifax”) acted irresponsibly by providing him with an overdraft facility.Irresponsible lending

Halifax has refunded all overdraft charges and interest caused by the overdraft facility from the review date.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3961699.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.