Bank of Scotland Plc

Financial Ombudsman decision DRN-6043338 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu May 21deadline 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 P complains that Bank of Scotland plc trading as Halifax irresponsibly provided her with an overdraft facility that was unaffordable for her.Irresponsible lending

Halifax should have done more where there were clear signs of financial difficultyTreatment in financial difficulty

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6043338.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.