Bank of Scotland Plc

Financial Ombudsman decision DRN-4254148 Upheld

Upheldoutcome, as published by the Ombudsman

£400redress stated in the decision

Thu Sep 28deadline 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, Interest and rates

In the Ombudsman’s words

Halifax had refused to capitalise the arrears, despite requests since 2010.Treatment in financial difficulty

The interest rate they were charged on their mortgage.Interest and rates

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4254148.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.