Bank of Scotland Plc

Financial Ombudsman decision DRN-6142440 Not upheld

Not upheldoutcome, as published by the Ombudsman

£1,500redress stated in the decision

Tue Mar 17deadline 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

Mr K complains that Bank of Scotland plc trading as Halifax acted irresponsibly when it gave him an overdraft he couldn’t afford.Irresponsible lending

He says the level of overdraft interest and charges it has applied is unfair.Charges and fees

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6142440.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.