Bank of Scotland Plc

Financial Ombudsman decision DRN3696106 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Nov 13deadline 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, Credit file reporting, Payment delayed or failed, Service failure

In the Ombudsman’s words

It applied interest and charges to the account despite it being in dispute.Charges and fees

Provided incorrect information to credit reference agencies.Credit file reporting

Lloyds had failed to send credit card statements.Payment delayed or failed

Lloyds had failed to send a new credit card.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3696106.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.