Bank of Scotland Plc

Financial Ombudsman decision DRN-4434071 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Nov 30deadline 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, Treatment in financial difficulty

In the Ombudsman’s words

ot offer a new mortgage where there is no basis on which that mortgage would be affordable. This would be in breach of BOS’s regulatory obligations as a responsible lender.Irresponsible lending

Ms B has complained that Bank of Scotland plc (BOS) has failed to offer her a new interest rate, or adequate support for her financial difficulties.Treatment in financial difficulty

Rules cited

Equality Act 2010, Consumer Credit Act 1974, FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4434071.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.