Bank of Scotland Plc

Financial Ombudsman decision DRN7009153 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Apr 15deadline 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

Card dispute or chargeback, Service failure

In the Ombudsman’s words

payments made to his mobile phone company ‘D’ that did not credit his mobile phone accountCard dispute or chargeback

Halifax had not made an error when processing the payments to D. But he did consider that the bank should have explained its processes more clearlyService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7009153.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.