Bank of Scotland Plc

Financial Ombudsman decision DRN3919384 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Thu Apr 02deadline 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

I don’t believe that it’s fair to prevent Mrs W from taking advantage of a discounted rate because of Mr A’s failure to involve himself in the process.Interest and rates

Halifax requires Mr A’s agreement to changes to the mortgage that would assist Mrs W such as a new mortgage product or a payment holiday.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3919384.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.