Lloyds Bank PLC

Financial Ombudsman decision DRN-3482896 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jun 14deadline 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

Charges and fees, Support for vulnerable customers

In the Ombudsman’s words

Mr P has complained that he was struggling to pay off his overdraft and Lloyds Bank PLC (“Lloyds”) acted unfairly by continuing to apply charges to his account which contributed to his financial difficulties.Charges and fees

Lloyds should’ve realised that Mr P was in financial difficulty and refunded the overdraft charges applied to the account from November 2015 because they thought the management of his account showed Mr P wasn’t using his overdraft as intended and that Lloyds ought to have realised he was in financial difficulty.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3482896.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.