Bank of Scotland Plc

Financial Ombudsman decision DRN-4986137 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Dec 23deadline 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

In the Ombudsman’s words

Mr S has complained about an overdraft that Bank of Scotland plc (trading as “Halifax”) provided to him. He says the overdraft he was provided with, which was then had its limit increased, was unaffordable for him given he already had other loans and overdrafts at the time.Irresponsible lending

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4986137.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.