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Bank of Scotland Plc

Financial Ombudsman decision DRN-6148654 Partly upheld

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

Card dispute or chargeback, Complaint handling

In the Ombudsman’s words

Halifax considered both a chargeback claim, and a claim under section 75 of the Consumer Credit Act 1974 (section 75). But it declined both claimsCard dispute or chargeback

I still think Halifax should have upheld Mr O’s claim when he made his case so clearly and the time taken to resolve it has been unreasonable. Due to this, I think a compensation payment is warranted in this case.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6148654.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.