Bank of Scotland Plc

Financial Ombudsman decision DRN4309130 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

—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

Unauthorised transaction, Service failure

In the Ombudsman’s words

allowed a supplier to take a payment from his bank account when it had no authority to do soUnauthorised transaction

Halifax could have done more to assist Mr K in obtaining a chargebackService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4309130.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.