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The Royal Bank of Scotland Plc

Financial Ombudsman decision DRN-5324496 Not upheld

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

I’m satisfied that RBS did not lend irresponsibly or act unfairly in allowing Miss M to use her overdraft in the way that she didIrresponsible lending

Miss M has complained about the overdraft charges The Royal Bank of Scotland (“RBS”) applied to her 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-5324496.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.