Bank of Scotland Plc

Financial Ombudsman decision DRN4834640 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

Product mis-sold, Mortgage administration

In the Ombudsman’s words

Mr D complains that Bank of Scotland plc, trading as Halifax, mis-sold him a mortgage product that was not suitable for his needs.Product mis-sold

Halifax would not allow him to stay on its standard variable rate (SVR) insisting on treating his property as commercial even though it is his residence when in the UK.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4834640.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.