Bank of Scotland Plc

Financial Ombudsman decision DRN-4644780 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 14deadline 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

it had offered him an overdraft that he couldn’t afford to repayIrresponsible lending

refund of the interest charges that had been applied while the overdraft had been in place and actively usedCharges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4644780.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.