Bank of Scotland Plc

Financial Ombudsman decision DRN-4121799 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Jun 07deadline 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

Miss B has complained that Bank of Scotland plc trading as Halifax (“Halifax”) acted irresponsibly by increasing her overdraft limit and continuing to apply charges to her account when it should have realised her finances had gotten worse and she was no longer able to clear her overdraft.Irresponsible lending

Halifax agreed to refund all interest and overdraft fees charged since 22 August 2017 amounting to £6,543.10 which included £294.10 interest and £70 compensation for any upset caused.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4121799.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.