Halifax Limited

Financial Ombudsman decision DRN9598821 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

Tue Mar 17deadline 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

Mortgage administration, Service failure

In the Ombudsman’s words

This complaint is about a mortgage application Mr L made to Bank of Scotland plc trading as Halifax. Mr L, who is represented in the complaint by his father Mr K, complains that Halifax reduced the amount it was willing to lend him shortly before he exchanged contracts.Mortgage administration

Halifax has accepted there were shortcomings in the standard of service Mr L received from it, which is the reason it offered him £300 compensation.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9598821.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.