Swift 1st Limited
Financial Ombudsman decision DRN6398483 Upheld
Upheldoutcome, as published by the Ombudsman
£122,823redress stated in the decision
Fri Apr 23deadline 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
He said there were some red flags in the mortgage application and associated documents which should have alerted Swift to a problem with affordabilityIrresponsible lending
the mortgage balance, and fees and charges that have been applied to itCharges and fees
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6398483.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.