Bank of Scotland Plc

Financial Ombudsman decision DRN9623473 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Mon Sep 21deadline 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

Irresponsible lending, Complaint handling

In the Ombudsman’s words

Miss A complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly when it agreed to a loan she could not affordIrresponsible lending

Halifax had provided Miss A with unrealistic expectations when a staff member told her that she had been mis-sold the loan before properly investigating the complaintComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9623473.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.