UK Mortgage Lending Ltd

Financial Ombudsman decision DRN-6096785 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Feb 20deadline 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

Interest and rates, Credit file reporting, Mortgage administration, Service failure

In the Ombudsman’s words

The interest rate applied to the mortgage from November 2023 was too high.Interest and rates

Miss N’s credit file showed that she had not made any payments for six months.Credit file reporting

Miss N raised a number of complaints about Pepper Money’s administration of her mortgageMortgage administration

Miss N’s dissatisfaction with the Service she received, including: o bullying tactics and adding unnecessary costs to the mortgage due to constant calls and letters about the arrears on the accountService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6096785.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.