Bank of Scotland Plc

Financial Ombudsman decision DRN4427386 Not upheld

Not upheldoutcome, as published by the Ombudsman

£55redress stated in the decision

Thu Nov 14deadline 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

Payment delayed or failed, Service failure

In the Ombudsman’s words

did not apply a payment to his credit card account in a timely mannerPayment delayed or failed

Halifax should have provided the correct advice when he calledService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4427386.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.