Bank of Scotland Plc

Financial Ombudsman decision DRN4479083 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Mar 27deadline 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, Card dispute or chargeback

In the Ombudsman’s words

Halifax said it was holding Mr G liable for this transaction.Unauthorised transaction

In relation to the online transaction, Halifax went back to the merchant’s bank and challenged the payment.Card dispute or chargeback

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4479083.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.