Bank of Scotland Plc

Financial Ombudsman decision DRN0020937 Upheld

Upheldoutcome, as published by the Ombudsman

£2,755redress stated in the decision

Fri Feb 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr D complains that Bank of Scotland plc (trading as Halifax) is holding him responsible for a transaction he says he didn’t authorise on his credit card.Unauthorised transaction

remove any adverse information that it may have recorded on Mr D’s credit file in relation to the disputed transaction.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0020937.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.