Bank of Scotland Plc

Financial Ombudsman decision DRN1048124 Not upheld

Not upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Sun Dec 15deadline 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

Charges and fees, Mortgage administration

In the Ombudsman’s words

refund any fees and charges (including legal costs) that wouldn’t have been incurred.Charges and fees

Lloyds should have switched the mortgage back to interest-only and not taken legal action to take possession.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1048124.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.