Bank of Scotland Plc

Financial Ombudsman decision DRN-4617825 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Apr 30deadline 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, Service failure

In the Ombudsman’s words

Mrs L complains Bank of Scotland plc (“BOS”) hasn’t treated her fairly in connection with a dispute over work to a van which was paid for with a card on her BOS credit card account.Card dispute or chargeback

Looking at the service BOS provided, it’s apparent the claims process did take a while. I can see some inconsistent information was given by the bank as well, which is unfortunate.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4617825.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.