Lloyds Bank PLC

Financial Ombudsman decision DRN-4331079 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Apr 16deadline 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

He said that his income was sufficient to meet the payments and that Lloyds should have looked at this and called him before taking steps which affected his credit file.Treatment in financial difficulty

Mr E complains that Lloyds Bank PLC (“Lloyds”) acted unfairly by defaulting his account and reporting it to the Credit Reference Agencies.Credit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4331079.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.