Lloyds Bank PLC

Financial Ombudsman decision DRN-4217445 Upheld

Upheldoutcome, as published by the Ombudsman

£170redress stated in the decision

Thu Jul 27deadline 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, Service failure

In the Ombudsman’s words

remove all adverse credit file reporting for both the BCA and the BBL resultant from the unfair defaulting of these two accounts.Credit file reporting

accepted that G hadn’t received the standard of service surrounding that decision as should have been the caseService failure

Rules cited

CRM Code (APP scam reimbursement)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4217445.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.