Bank of Scotland Plc

Financial Ombudsman decision DRN-6103983 Upheld

Upheldoutcome, as published by the Ombudsman

£375redress stated in the decision

Thu Mar 05deadline 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

Mortgage administration, Complaint handling

In the Ombudsman’s words

Mr O complains that Bank of Scotland plc trading as Birmingham Midshires (BM) unfairly repossessed and sold his property without communicating with him, and it hasn’t accounted for the proceeds of sale.Mortgage administration

It did fail to respond to the complaint in 2023, or to set out again what had happened to the proceeds of sale until the complaint was escalated in 2025.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6103983.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.