Lloyds Bank PLC

Financial Ombudsman decision DRN-3811421 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jan 17deadline 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, Card dispute or chargeback

In the Ombudsman’s words

I would remind Lloyds of its obligation to treat Mr M with forbearance and due consideration if he is currently in financial difficulty.Treatment in financial difficulty

Mr M is unhappy that Lloyds Bank PLC (Lloyds) initially refunded him after he raised a dispute for a holiday he never received, but then re-debited his account leaving him overdrawn.Card dispute or chargeback

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3811421.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.