Bank of Scotland Plc

Financial Ombudsman decision DRN-4307860 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

Wed Oct 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

Card dispute or chargeback, Complaint handling

In the Ombudsman’s words

Mrs E complains Bank of Scotland plc trading as Halifax hasn’t treated her fairly in connection with disputed card payments to a holiday park.Card dispute or chargeback

Halifax had made multiple errors in relation to the chargebacks. It had delayed in submitting them, probably submitted them under the wrong “reason code”, and had accepted B’s defence to the chargebacks uncritically.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4307860.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.