Bank of Scotland Plc

Financial Ombudsman decision DRN9955130 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri May 25deadline 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

They also weren’t happy about how long it had taken to get a new product in place. The investigator’s view was that Halifax wasn’t contractually required to tell Ms R and Mr S about the new monthly payment figure once the mortgage moved onto the variable rate as they weren’t paying by direct debit. She didn’t think Halifax needed to do more as all the information was in the mortgage offer, and noted that it didn’t charge interest on the arrears.Credit file reporting

complain that Bank of Scotland Plc trading as Halifax (“Halifax”) hasn’t treated them fairly or unreasonably when dealing with their mortgage.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9955130.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.