Bank of Scotland Plc

Financial Ombudsman decision DRN3747966 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

APP scam refund refused, Unauthorised transaction

In the Ombudsman’s words

Miss L complains that Bank of Scotland Plc (trading as Halifax) is unfairly holding her liable for a debt caused by credits that were reversed off her account and withdrawals that she did not make.APP scam refund refused

There were also four cash machine withdrawals, and two payment transfers, from Miss L’s account which she disputed having made.Unauthorised transaction

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3747966.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.