Bank of Scotland Plc

Financial Ombudsman decision DRN-4803541 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 08deadline 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

Halifax issued a final response letter dated 15 November 2023 upholding Mr M’s complaint. It explained that Mr M was maintaining his account when it approved his application for an overdraft in September 2018. It said it has regular opportunities to review overdraft lending and having looked back at Mr M’s account it should have removed the overdraft in September 2019.Irresponsible lending

Mr M complains that Bank of Scotland plc trading as Halifax unfairly continued to provide him with an overdraft and applied charges to this when he was in financial difficulty.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4803541.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.