Halifax Limited

Financial Ombudsman decision DRN-4852717 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

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

Unauthorised transaction, Account closed or refused

In the Ombudsman’s words

I can’t say Halifax ought reasonably to be required to refund the transactions as unauthorised.Unauthorised transaction

Halifax has said that although Ms S had authority to make transactions, it shouldn’t have allowed her to close X’s account in September 2021Account closed or refused

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4852717.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.