Bank of Scotland Plc

Financial Ombudsman decision DRN-4706832 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Thu Jul 11deadline 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, Complaint handling

In the Ombudsman’s words

Mrs K complains that Bank of Scotland plc (trading as Halifax) closed her account without providing an explanation or warning.Account closed or refused

Halifax accepted that when Mrs K had visited the branch, its service had fallen short. It said Mrs K should have been able to lodge a complaint and appeal about the closing of her account with staff.Complaint handling

Rules cited

FCA DISP (Dispute Resolution), Equality Act 2010

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4706832.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.