Bank of Scotland Plc

Financial Ombudsman decision DRN7353962 Not upheld

Not upheldoutcome, as published by the Ombudsman

£150redress 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

Treatment in financial difficulty, Complaint handling

In the Ombudsman’s words

continued to chase him for repayment of a credit card debt after it had been advised he was in an IVATreatment in financial difficulty

I conclude that the bank made an error but did not cause Mr B any financial loss as the debt will be handled within the IVA. I find that the bank’ error did cause Mr B considerable distress and inconvenience over a number of months.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7353962.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.