Bank of Scotland Plc

Financial Ombudsman decision DRN4178846 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Thu May 23deadline 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

Irresponsible lending, Complaint handling

In the Ombudsman’s words

Halifax declined to convert the outstanding balance on his credit card into a personal loanIrresponsible lending

Halifax’s offer of £50 for complaint handling delays is fair and reasonableComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4178846.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.