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Bank of Scotland Plc
Financial Ombudsman decision DRN-6387377 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jun 25deadline 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
In the Ombudsman’s words
Mrs D complains that Bank of Scotland plc trading as Halifax (Halifax) lent to her irresponsibly by failing to make adequate affordability checks before granting her a number of loans.Irresponsible lending
Rules cited
FCA CONC (Consumer Credit sourcebook), Consumer Credit Act 1974
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6387377.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.