Published decisions
1,012
Decision volume in this firm-product slice
Firm + product analysis
Bank of Scotland Plc in Mortgages
A curated public analysis of Bank of Scotland Plc's published Financial Ombudsman decisions in Mortgages, including outcome context, complaint themes, precedent signals, and representative cases.
Upheld rate
24.6%
249 upheld decisions
Page summary
1,012 published FOS decisions involving Bank of Scotland Plc in Mortgages, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,012
Decision volume in this firm-product slice
Upheld rate
24.6%
249 upheld decisions
Latest published decision 25 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
1,012
Decision volume in this firm-product slice
Upheld rate
24.6%
249 upheld decisions
Latest active year
2026
24 decisions
Leading complaint theme
Delay In Claim Handling
95 tagged decisions
Bank of Scotland Plc in Mortgages
AnalysisBank of Scotland Plc appears in 1,012 published decisions in Mortgages across this corpus. 24.6% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.
The latest year represented in this slice is 2026, with 24 published decisions and an upheld rate of 45.8%.
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Mcob
- Advisor uphold-risk signal for Mortgages: medium
How the slice behaves over time
AnalysisBank of Scotland Plc has a multi-year published decision trail in Mortgages, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Mortgages remains a meaningful part of Bank of Scotland Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2026: 24 decisions, 45.8% upheld
- 2025: 148 decisions, 23.6% upheld
- 2024: 216 decisions, 26.4% upheld
- 2023: 154 decisions, 26.0% upheld
- 2022: 215 decisions, 27.0% upheld
Themes, precedent context, and handling implications
AnalysisDelay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.
The product advisory layer also points to recurring handling implications, including review disp precedent (appears in 0.1% of cases), review consumer credit act 1974 precedent (appears in 0.1% of cases), review fsma precedent (appears in 0.1% of cases), and others.
- Second complaint theme: Affordability Assessment Failure
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-657055625 Aug 2026Upheld
Bank of Scotland Plc · Mortgages
My decision is that I dismiss the complaints which Mr and Mrs H have referred to us before, because dealing with them would seriously impair the effective operation of the Financial Ombudsman Service given that we have previously considered or excluded them, and given there is no material new evidence which has subsequently become available to Mr and Mrs H and which is likely to affect the outcome of those complai...
View source decisionDRN-633030521 Aug 2026Not upheld
Bank of Scotland Plc · Mortgages
I don’t uphold this complaint Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S and Mr S to accept or reject my decision before 18 September 2026. Emma Taskas Ombudsman
View source decisionDRN-646249621 Aug 2026Not upheld
Bank of Scotland Plc · Mortgages
My final decision is that Bank of Scotland plc trading as Birmingham Midshires must do the following – • waive all interest on Mr W’s mortgage from 31 October 2025 until 8 November 2026 inclusive, • pay the legal costs and disbursements Mr W incurred for the aborted sale, planned for 31 October 2025, providing there is evidence of those costs from the solicitors acting for Mr W in that sale, • consider paying the ...
View source decisionDRN-654255010 Aug 2026Upheld
Bank of Scotland Plc · Mortgages
My final decision is that Bank of Scotland plc trading as Halifax must ensure that Mrs R receives its payment of £300 in compensation, paid in respect of its data protection breach and failure to return a call on schedule, if she has not already done so. And Bank of Scotland plc trading as Halifax must pay Mrs R a further £500 in compensation, for failing to consider ways of reducing phone contact with her.
View source decisionDRN-647851903 Aug 2026Not upheld
Bank of Scotland Plc · Mortgages
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs H to accept or reject my decision before 31 August 2026.
View source decision