Bank of Scotland Plc

Financial Ombudsman decision DRN6145764 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—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

Account closed or refused, Irresponsible lending, Charges and fees, Support for vulnerable customers

In the Ombudsman’s words

refused his request for a basic bank accountAccount closed or refused

wrongly gave him a loan of £1,000 when it knew he was dependent on benefitsIrresponsible lending

unfairly holds him liable for debts on the two current accounts that he held with itCharges and fees

failing to take proper account of his health problemsSupport for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6145764.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.