Bank of Scotland Plc

Financial Ombudsman decision DRN0190319 Not upheld

Not upheldoutcome, as published by the Ombudsman

£5redress stated in the decision

Fri Oct 20deadline 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

Charges and fees, Interest and rates, Service failure

In the Ombudsman’s words

Mrs M wants Halifax to repay the interest it charged her for the period when she didn’t receive statementsCharges and fees

She also questioned the Annual Percentage Rate (APR) on the account.Interest and rates

Halifax accepts that it provided Mrs M with incorrect information. But says it was entitled to charge interest on the outstanding debt.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0190319.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.