Lloyds Bank PLC

Financial Ombudsman decision DRN-4679067 Not upheld

Not upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Jul 28deadline 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

Card dispute or chargeback, Service failure

In the Ombudsman’s words

Mrs O complains that Lloyds Bank PLC unfairly declined her chargeback for a car she bought using her Lloyds Bank debit card.Card dispute or chargeback

I do not find that this changes the likely outcome to the chargeback. Therefore, I have considered whether the £150 compensation offered in this case is reasonable given the upset Mrs O was caused by being given different advice on the calls and then being asked to provide information without being given the timeframe, only to then be told she had provided this too late.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4679067.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.