Bradford & Bingley Limited

Financial Ombudsman decision DRN2415121 Not upheld

Not upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Wed Dec 12deadline 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, Mortgage administration

In the Ombudsman’s words

Mrs C complains that Bradford & Bingley Plc is acting unfairly and unreasonably by requiring her to repay mortgage arrears within a year or so, rather than over the rest of the term of the mortgage.Treatment in financial difficulty

I agree with Mrs C that the core of her complaint isn’t about how the arrears arose, but Bradford & Bingley’s alleged failure to properly notify her about the arrears and treat her fairly when agreeing a repayment plan.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2415121.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.