Lending Appeals

As part of our ongoing commitment to supporting Scottish business, we’re working with the British Bankers' Association to find ways that the industry can improve customer relationships. Under this initiative you have the right to appeal if your application for borrowing is declined or if you are unhappy with lending conditions.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

All lending is subject to status

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

We adhere to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board (LSB)

While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by Bank of Scotland for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances.  Specific advice should always be sought in each instance.