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Bank of Scotland Plc
Financial Ombudsman decision DRN8183476 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jul 29deadline 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, Charges and fees
In the Ombudsman’s words
I’ve also thought about what Halifax has said about the fees added to Miss D’s overdraft in October 2012. But I still have to question how fair and reasonable it was for Halifax to add these fees, whether already accrued or not, in circumstances where it was aware Miss D was struggling and needed some breathing space.Treatment in financial difficulty
Miss D has complained that Bank of Scotland plc (trading as “Halifax”) unfairly applied expensive charges to her overdraft when she was already in financial difficulty.Charges and fees
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8183476.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.