Bank of Scotland Plc

Financial Ombudsman decision DRN7584531 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri May 10deadline 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

Mrs G complains that Bank of Scotland issued her with a replacement card and told her the PIN had not changed. When she tried to use the card it was declinedCard dispute or chargeback

While I am satisfied Bank of Scotland was in error in issuing the wrong cardService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7584531.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.