Bank of Scotland Plc

Financial Ombudsman decision DRN9369579 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—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

Charges and fees, Credit file reporting

In the Ombudsman’s words

failed to set up a control feature on his current account, which led to an unauthorised overdraft and chargesCharges and fees

He had been advised by a credit reference agency that charges applied to his account would damage his credit profile.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9369579.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.