Bank of Scotland Plc

Financial Ombudsman decision DRN-6293226 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed May 13deadline 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

Mrs M complains that Bank of Scotland plc t/a Halifax (“Halifax”) provided credit to her irresponsibly and the credit was unaffordable.Irresponsible lending

She further complains that Halifax didn’t provide her with help by way of a repayment plan or payment holiday when she got into financial difficultiesTreatment in financial difficulty

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook), Equality Act 2010

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6293226.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.