Bank of Scotland Plc

Financial Ombudsman decision DRN5845540 Not upheld

Not upheldoutcome, as published by the Ombudsman

£4,500redress stated in the decision

Sun Dec 08deadline 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

Mrs M complains on behalf of herself and her husband that Lloyds Bank PLC processed a cheque even though there insufficient funds in the account.Payment delayed or failed

Lloyds agreed that Mrs M had been provided with misleading information and didn’t receive call backs when requested. It agreed that the service it provided was below what it would expectService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5845540.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.