Lloyds Bank PLC

Financial Ombudsman decision DRN-3353833 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue May 31deadline 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

Mr M’s complaint doesn’t relate to any COVID payment deferral agreed. Rather, it relates to Lloyds actions since then.Treatment in financial difficulty

I think Lloyds were obliged to issue a default notice and record this on Mr M’s credit file.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3353833.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.