Bank of Scotland Plc

Financial Ombudsman decision DRN-3234710 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Feb 04deadline 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, Mortgage administration

In the Ombudsman’s words

I think BoS fairly concluded it wouldn’t be responsible to lend over that periodIrresponsible lending

treated them unfairly when they were discussing their options for repaying their interest only mortgage when it reached the end of its termMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3234710.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.