Bank of Scotland Plc

Financial Ombudsman decision DRN-5739113 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Sep 08deadline 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

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

I’ve considered whether there were periods where Halifax continued charging Mr M even though it ought to have instead stepped in and taken corrective measures on the overdraft as it knew, or it ought to have realised, that he was in financial difficulty.Treatment in financial difficulty

Mr M has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his current account.Charges and fees

Rules cited

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

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5739113.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.