National Westminster Bank Plc

Financial Ombudsman decision DRN-3993108 Upheld

Upheldoutcome, as published by the Ombudsman

£425redress stated in the decision

Fri Apr 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr A complains that National Westminster Bank Plc asked him to make unaffordable mortgage payments after it paid ground rent and service charges owed in relation to his leasehold property.Treatment in financial difficulty

Mr A’s credit file to be cleared of adverse data related to the mortgage before he makes an applicationCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3993108.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.