Bank of Scotland Plc

Financial Ombudsman decision DRN2095131 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Apr 01deadline 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

Mr L complains about the way that Bank of Scotland plc (“BoS”) handled his Personal Choice account when he was in arrears.Treatment in financial difficulty

BoS also wrote to Mr L on 4 August 2017 saying that as it hadn’t sent him a Notice of Sums in Arrears it shouldn’t have charged interest on those arrears.Charges and fees

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2095131.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.