Bank of Scotland Plc

Financial Ombudsman decision DRN-2565253 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 23deadline 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, Mortgage administration

In the Ombudsman’s words

claiming an early repayment charge (“ERC”) when they repaid their mortgage earlyCharges and fees

Halifax refused to lend the extra money, though it considered extra information provided in support of the application, as it was concerned about affordability.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2565253.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.