Lloyds Bank PLC

Financial Ombudsman decision DRN-1650176 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Sep 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

Card dispute or chargeback, Service failure

In the Ombudsman’s words

Lloyds instigated a chargeback request through VISA.Card dispute or chargeback

Lloyds accepts that it misinformed Mrs N about when the temporary credit would be available in her account and there was an error delaying this further.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1650176.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.