Lloyds Bank PLC

Financial Ombudsman decision DRN-4450558 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£110redress stated in the decision

Fri May 20deadline 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, Card dispute or chargeback, Support for vulnerable customers

In the Ombudsman’s words

Firstly, the result was that an unauthorised overdraft was reported to her credit file that would not otherwise have been there.Credit file reporting

Miss P complains about how Lloyds Bank PLC dealt with her chargeback dispute about a supplementary charge on her holiday booking.Card dispute or chargeback

Secondly, although Lloyds did not realise that Miss P was a vulnerable customer, the ensuing financial worry caused her depression and anxiety.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4450558.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.