Bank of Scotland Plc

Financial Ombudsman decision DRN-5302428 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 17deadline 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 and Mrs W complained saying that they were allowed to continue using the overdraft in a way that was unsustainable and which caused them continued financial difficulty.Irresponsible lending

Mr and Mrs W have complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to their current account.Charges and fees

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5302428.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.