Bank of Scotland Plc

Financial Ombudsman decision DRN7270249 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Oct 05deadline 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

Credit file reporting, Card dispute or chargeback

In the Ombudsman’s words

Halifax then issued a default notice on Mr J’s account as he hadn’t paid.Credit file reporting

Mr J disputed three transactions on his debit card in May 2010.Card dispute or chargeback

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7270249.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.