Bank of Scotland Plc

Financial Ombudsman decision DRN-4668616 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Apr 09deadline 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

unfairly allowed her to continue using a credit cardIrresponsible lending

Reworking Miss P’s current balance so that all interest, fees and charges applied to it from May 2015 onwards are removedCharges and fees

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4668616.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.