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Bank of Scotland Plc
Financial Ombudsman decision DRN-6051787 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Feb 02deadline 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
Halifax should have stepped in and helped Miss D in October 2022.Irresponsible lending
Miss D complains that Bank of Scotland plc trading as Halifax applied charges to her overdraft since 2020 despite her showing clear signs of financial hardship.Treatment in financial difficulty
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6051787.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.