Bank of Scotland Plc

Financial Ombudsman decision DRN5961839 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Aug 28deadline 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, Product mis-sold

In the Ombudsman’s words

didn’t check to see whether either of the loans would be affordable to themIrresponsible lending

complaint that Bank of Scotland plc (trading as Halifax) mis-sold them a mortgage in 1996 and a further advance in 1997Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5961839.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.