Bank of Scotland Plc

Financial Ombudsman decision DRN-6013352 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Jan 31deadline 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, Treatment in financial difficulty

In the Ombudsman’s words

Miss E complains that Bank of Scotland plc trading as Halifax (Halifax) acted irresponsibly in granting her a personal current account overdraft, and in increasing its limit, as it was unaffordable for her.Irresponsible lending

Miss E also complains that Halifax failed to support her when she experienced financial difficulties and breached persistent debt guidance set by the regulator.Treatment in financial difficulty

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6013352.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.