Bank of Scotland Plc

Financial Ombudsman decision DRN-6119241 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Feb 27deadline 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

Unauthorised transaction, Bereavement and power of attorney

In the Ombudsman’s words

The estate of Mrs R complains that Bank of Scotland plc trading as Halifax are holding it liable for transactions she didn’t authorise.Unauthorised transaction

They questioned how Mrs R could have spent the money and pointed to the final transaction, which was a payment for petrol on 26 June 2023.Bereavement and power of attorney

Rules cited

Payment Services Regulations 2017, FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6119241.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.