Bank of Scotland Plc

Financial Ombudsman decision DRN-4936954 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 10deadline 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

APP scam refund refused

In the Ombudsman’s words

Halifax declined to refund Mr L saying his payment wasn’t covered by the Lending Standards Board’s Contingent Reimbursement Model Code (CRM Code) as they weren’t satisfied it was a scamAPP scam refund refused

Rules cited

CRM Code (APP scam reimbursement), Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4936954.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.