Santander UK Plc
Financial Ombudsman decision DRN3810848 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Aug 19deadline 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, Charges and fees
In the Ombudsman’s words
Santander’s underwriters declined to agree to port the mortgage because the full application did not meet its lending criteriaIrresponsible lending
the ERC was charged in line with the terms of the agreement, and there is no obligation on Santander to refund itCharges and fees
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3810848.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.