Bank of Scotland Plc

Financial Ombudsman decision DRN-4724542 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Nov 28deadline 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

Bank of Scotland put Mr N’s payment of £102.29 into dispute.Card dispute or chargeback

the bank had delayed the process, causing Mr N additional distress and inconvenience. In addition, the bank had not explained things as well as it should have done.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4724542.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.