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Bank of Scotland Plc
Financial Ombudsman decision DRN2705014 Upheld
Upheldoutcome, as published by the Ombudsman
£300redress stated in the decision
Mon Jan 07deadline 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
Card dispute or chargeback, Complaint handling
In the Ombudsman’s words
Halifax also didn’t apply the chargeback rules properly.Card dispute or chargeback
Halifax didn’t properly consider Mr B’s claim under section 75 – and it didn’t refer to section 75 in its final response letter to him.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2705014.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.