Bank of Scotland Plc

Financial Ombudsman decision DRN-4037987 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue May 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

Irresponsible lending, Mortgage administration

In the Ombudsman’s words

Halifax was required to lend responsibly and that it had acted fairly in explaining to Mrs T why an application like this wouldn’t meet its lending criteria.Irresponsible lending

Mrs T complains that Bank of Scotland trading as Halifax has declined her applications to make changes to her existing joint mortgage.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4037987.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.