Bank of Scotland Plc

Financial Ombudsman decision DRN1451552 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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, Mortgage administration

In the Ombudsman’s words

In the absence of CTL, Halifax would treat any tenancy as unauthorised and has added 1.55% to the standard variable rate (‘SVR’) payable under the mortgage.Interest and rates

Mr C complains that Bank of Scotland plc (trading as Halifax) treated him unfairly over consent to let (‘CTL’) and provided poor service in respect of his mortgage.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1451552.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.