Bank of Scotland fined £4.2m for being idiots The final notice on this speaks for itself (at length). More than 20,000 of these were...how do we put this..."Reverse-screwed," perhaps... ...Customers subject to Version 22 of the Terms and Conditions who had received a Mortgage Offer Letter that did not contain the Cap Summary. BOS incorrectly paid approximately £18.8 million of goodwill payments to 20,000 customers in this category.... Customers who were considered to be subject to Version 22 of the Terms and Conditions in March 2011 but following corrections implemented to HBOS mortgage systems in November 2011 should have in fact been subject to another Version of the Terms and Conditions. BOS incorrectly paid approximately £1.6 million of goodwill payments to 1,700 such customers.