Bank of Scotland Plc

Financial Ombudsman decision DRN9796277 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Jan 02deadline 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

Ms H says Halifax didn’t do an affordability assessment when she took out further advances in July 2008 and May 2009, and it lent irresponsibly.Irresponsible lending

Ms H complains that her interest only mortgage with Bank of Scotland plc was unsuitable.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9796277.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.