Lloyds Bank PLC

Financial Ombudsman decision DRN-2491031 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Mar 12deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Lloyds agreed it gave Mr W incorrect information in January 2020, saying based on his financial situation and the length of time his account had been with collections it couldn’t agree to another plan.Treatment in financial difficulty

But in in July 2020 Lloyds said it wouldn’t continue with any further plans and instead would pass the account to its recoveries department which in turn could impact his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2491031.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.