Bank of Scotland Plc

Financial Ombudsman decision DRN-4440784 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Mar 27deadline 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

Account closed or refused, Irresponsible lending

In the Ombudsman’s words

Mr R complains that Bank of Scotland plc closed his local branchAccount closed or refused

Bank of Scotland are under no obligation to provide credit to him, and I can understand – in being a responsible lender – why they were concerned by Mr R’s overdraft usage.Irresponsible lending

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4440784.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.