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Bank of Scotland Plc
Financial Ombudsman decision DRN-5808116 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Wed Oct 08deadline 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 had an obligation to treat Mr and Mrs B fairly. That meant when the term ended it should have explored what options were available to them and given them time to put in place a viable plan to repay the mortgage.Treatment in financial difficulty
Mr and Mrs B complain that Bank of Scotland plc has not treated them fairly in the way it administered their mortgage.Mortgage administration
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5808116.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.