Bank of Scotland Plc

Financial Ombudsman decision DRN0434694 Upheld

Upheldoutcome, as published by the Ombudsman

£214redress stated in the decision

Mon Oct 12deadline 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

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

I could see from Mr B’s statements that when the account opened he was using an overdraft almost straight away... Mr B’s statements suggested to me that early in 2009 he was having financial difficulties.Treatment in financial difficulty

I thought that the bank ought to refund some of the money which was charged in fees and interest during this period.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0434694.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.