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UCB Home Loans Corporation Ltd

Financial Ombudsman decision DRN6581860 Upheld

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

Charges and fees, Credit file reporting, Mortgage administration, Complaint handling

In the Ombudsman’s words

any arrears fees that were applied are refunded onto the accountCharges and fees

this is reflected in Mr D’s credit fileCredit file reporting

failed to arrange the conversion of his mortgage account to interest only as requestedMortgage administration

UCB’s error, poor customer service and complaint handling caused a serious degree of distressComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6581860.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.