Bank of Scotland Plc

Financial Ombudsman decision DRN1067430 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Dec 11deadline 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

Irresponsible lending, Product mis-sold

In the Ombudsman’s words

The lender has a duty to lend responsibly which, generally speaking, it can discharge by relying on the information supplied by the broker.Irresponsible lending

Mr D believes the mortgages were fraudulent and says someone pretended to be him when one of the properties was sold in possession in 2015.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1067430.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.