Santander UK Plc
Financial Ombudsman decision DRN9937883 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
—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
Irresponsible lending, Product mis-sold
In the Ombudsman’s words
I agree with the adjudicator’s detailed assessment of affordability and do not find that the lending was irresponsible or unreasonable in this case.Irresponsible lending
complain that Santander UK plc (formerly Alliance & Leicester plc) advised them to enter into a fixed rate mortgage, failed to inform them how the capital would be repaid and did not consider the affordability of the mortgage.Product mis-sold
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9937883.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.