Bank of Scotland Plc

Financial Ombudsman decision DRN1391623 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Oct 25deadline 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, Interest and rates

In the Ombudsman’s words

It agreed that it had previously given Mrs C a refund of the DWP money and had used the money left over after paying arrears to deal with the monthly shortfall as Mrs C wasn’t paying enough each month.Treatment in financial difficulty

Mrs C also said that Halifax had told her the loan had a fixed interest rate, but the loan agreement said it was a variable interest rate.Interest and rates

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1391623.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.