Lloyds Bank PLC

Financial Ombudsman decision DRN-3142593 Upheld

Upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Fri Dec 03deadline 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Lloyds hadn’t defaulted his current account in 2015. It only took this step in 2019. With a recent default on his credit file, Mr I told us that he was unable to secure a mortgage at reasonable market rates.Credit file reporting

Mr I complains that Lloyds Bank PLC failed to default a debt when he first asked it to, in 2015.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3142593.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.