Bank of Scotland Plc

Financial Ombudsman decision DRN7024899 Upheld

Upheldoutcome, as published by the Ombudsman

£650redress stated in the decision

Fri May 08deadline 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

Mr S says that the mortgage was unaffordable and irresponsible.Irresponsible lending

Mr S complains that Bank of Scotland Plc (trading as Halifax) mis-sold his mortgage as the term extends beyond his normal retirement age.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7024899.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.