Bank of Ireland (UK) Plc

Financial Ombudsman decision DRN-3952268 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 14deadline 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

BOI’s criteria include a requirement that, before considering a TOE, the mortgage account must not be in arrears and that payments have been made on time and in full for at least six months. In addition, in order to remove a party from the mortgage, the bank has to be satisfied that the mortgage would be affordable for the other partyIrresponsible lending

Mr S has complained that Bank of Ireland (UK) Plc (BOI) has unfairly refused to remove his former partner, Ms D, from their joint mortgage accountMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3952268.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.