Bank of Scotland Plc

Financial Ombudsman decision DRN0564896 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Mon Nov 09deadline 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, Complaint handling

In the Ombudsman’s words

Halifax should refund the money that was taken out of Mr K’s account without his authority.Unauthorised transaction

The approach that Halifax chose to take in this matter did not take account of the rules that it must apply when dealing with a complaint about an unauthorised transaction.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0564896.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.