Bank of Scotland Plc

Financial Ombudsman decision DRN-5978511 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 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, Charges and fees

In the Ombudsman’s words

Ms R complains that Bank of Scotland plc (BoS) lent to her irresponsibly and failed to step in when she became reliant on her overdraft.Irresponsible lending

I think it should: • Re-work Ms R current overdraft balance so that all interest, fees and charges applied to it from July 2023 onwards are removed.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-5978511.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.