Bank of Scotland Plc

Financial Ombudsman decision DRN6991094 Upheld

Upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

—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

Irresponsible lending, Charges and fees, Credit file reporting, Support for vulnerable customers

In the Ombudsman’s words

wrongly allowed him to increase his overdraft through online applications, despite knowing he had a gambling problemIrresponsible lending

excessive charges to his account which have caused him considerable distressCharges and fees

refrain from listing adverse information on his credit file so long as that repayment arrangement is adhered toCredit file reporting

Mr C has a gambling problem which influenced his decisionSupport for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6991094.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.