Standards
Source classification
Every record carries a source type, a source tier and an evidence status. Together they let a reader see, at a glance, what kind of material a record is and how much weight the source itself carries.
Source tiers
Tier 1
Court judgment, regulator, Financial Ombudsman Service or legislation.
Tier 2
Official Rooftop, BCM Global or other corporate publication.
Tier 3
Reputable journalism or professional commentary.
Tier 4
Public forum post, consumer account or review.
Evidence statuses
| Status | Meaning |
|---|---|
| OFFICIAL FINDING | A determination made by a court, regulator or Ombudsman and recorded in a published document. |
| UPHELD | The published decision records that the complaint was upheld. |
| PARTIALLY UPHELD | The published decision records that the complaint was upheld in part. |
| NOT UPHELD | The published decision records that the complaint was not upheld. |
| SETTLED / RESOLVED | The source records that the matter was settled or resolved without a determination. |
| ONGOING | The source indicates the matter was unresolved at the date of publication. |
| ALLEGATION ONLY | The source records an allegation. No finding by a court, regulator or Ombudsman is recorded. |
| PUBLIC BORROWER REPORT – UNVERIFIED | An account published by a member of the public. Not independently verified by this archive. |
| OFFICIAL COMPANY DOCUMENT | A document published by the company itself. Reproduced as a record of what the company published. |
| BACKGROUND / CONTEXT | Contextual material. Not evidence of any allegation or finding. |
| GENERAL FOS COMPARATOR | A published Ombudsman decision that does not concern Rooftop Mortgages Limited. Included only as general comparator material. |
Source types
Financial Ombudsman Service decisionCourt judgmentCourt filing / public proceedingFCA materialICO materialHM Land Registry materialOfficial Rooftop documentOfficial BCM documentCompany filingSolicitor / receiver materialNews reportPublic forum postConsumer reviewPublic Q&A / legal forumOther public source