Bank of Scotland Plc

Financial Ombudsman decision DRN-4991034 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 26deadline 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

Mr H, who is represented by a third party, complains that Bank of Scotland plc (“BoS”) acted irresponsibly when it provided him with an overdraft facility.Irresponsible lending

He says the overdraft became unaffordable and has asked for the interest and charges incurred on the overdraft to be refunded.Charges and fees

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4991034.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.