Bank of Scotland Plc

Financial Ombudsman decision DRN5722768 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Oct 18deadline 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, Credit file reporting

In the Ombudsman’s words

Mr I complains that Bank of Scotland Plc (trading as Halifax) won’t refund payments made on credit card accounts in his name. He says he didn’t apply for themUnauthorised transaction

He says he didn’t apply for them and that this has affected his credit record.Credit file reporting

Rules cited

Consumer Credit Act 1974, Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5722768.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.