Lloyds Bank PLC

Financial Ombudsman decision DRN-2763086 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jun 15deadline 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 have sent us copies of the letters they sent to Mr J to advise his that the credit card account was in arrears and that it would be passed to an agent for collection.Treatment in financial difficulty

I also note that Mr J has asked that any credit markers be removed. I can see that at the time Mr J was issued with a default notice he was not making payments in respect of this loan, and whilst he subsequently started making payments, the default notice was applied appropriately at the time, and there is no reason to remove it.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2763086.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.