Bank of Scotland Plc

Financial Ombudsman decision DRN-6177196 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 30deadline 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

I’m satisfied Halifax did not lend irresponsibly or act unfairly in allowing Miss L to use her overdraft in the way that she did.Irresponsible lending

Miss L has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6177196.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.