Bank of Scotland Plc

Financial Ombudsman decision DRN6276091 Not upheld

Not upheldoutcome, as published by the Ombudsman

£2,839redress stated in the decision

Fri Apr 10deadline 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

Halifax has undertaken a further review of the complaint. Ms D’s dependant daughter wasn’t taken into account at the time the loan was agreed, so the bank has assessed the figures again and said the loan was 57% unaffordable.Irresponsible lending

Ms D complains that Bank of Scotland plc (trading as Halifax) sold her an unsuitable loan.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6276091.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.