Bank of Scotland Plc

Financial Ombudsman decision DRN-5186894 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 10deadline 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

Mr M said he understood that following his bankruptcy the mortgage would cease to exist, including any future liability for the debt. Mr M thought BoS had wrongfully continued to charge interest on the mortgage debt and incorrectly reported the account as in arrears on his credit file.Credit file reporting

Mr and Mrs M complain that Bank of Scotland plc continue to pursue them for a mortgage debt after Mr M’s bankruptcy.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5186894.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.