Bank of Scotland Plc

Financial Ombudsman decision DRN7711741 Not upheld

Not upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

—deadline 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

Treatment in financial difficulty, Mortgage administration

In the Ombudsman’s words

She also complains that Halifax has not treated her fairly in her financial difficulties.Treatment in financial difficulty

The consumer complains that Bank of Scotland plc, trading as Halifax, is enforcing an invalid contract, the existence of which it has been unable to prove by production of the mortgage agreement.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7711741.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.