Bank of Scotland Plc

Financial Ombudsman decision DRN-4679978 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Oct 04deadline 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, Interest and rates

In the Ombudsman’s words

BoS said it was a responsible lender that had concerns about whether Mr M’s plans to pay off the mortgage at the end of its term were plausible.Irresponsible lending

Mr M complains that Bank of Scotland plc (“BoS”) didn’t give him a new fixed interest rate product on his mortgage.Interest and rates

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4679978.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.