Bank of Scotland Plc

Financial Ombudsman decision DRN-5018866 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Fri Oct 11deadline 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, Mortgage administration

In the Ombudsman’s words

BoS’ poor service does mean that the mortgage account went into a small amount of arrears six months earlier than it should have. As such, I consider that BoS should reverse any interest that accrued on the arrears during that six-month period.Treatment in financial difficulty

Miss M’s complaint is about a mortgage she has with Bank of Scotland plc trading as Halifax (BoS). She is unhappy that the consent to let she has attached to the mortgage prevented her from accessing assistance under the Mortgage Charter and attaching a new interest rate product to the mortgage.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5018866.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.