Bank of Scotland Plc

Financial Ombudsman decision DRN9221353 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Fri Jun 28deadline 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

Unauthorised transaction, Service failure

In the Ombudsman’s words

Halifax was at fault in transferring Mr N’s money to an unconnected third party accountUnauthorised transaction

it also failed to take reasonable and prompt steps to trace and recover the fundsService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9221353.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.