Bank of Scotland Plc

Financial Ombudsman decision DRN6594655 Not upheld

Not upheldoutcome, as published by the Ombudsman

£242redress stated in the decision

Wed Mar 13deadline 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

Treatment in financial difficulty, Service failure

In the Ombudsman’s words

Miss K complains that Bank of Scotland plc (trading as Halifax) defaulted her loan account after it made mistakes with her direct debit payments.Treatment in financial difficulty

Halifax told Miss K it would agree another month’s breathing space when she called at the beginning of July 2018 but took the step of defaulting the loan before that time had passed. I agree that the service here was poorService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6594655.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.