Bank of Scotland Plc

Financial Ombudsman decision DRN-4916412 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Aug 15deadline 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

In 2023 Lloyds closed all of Mr D’s accounts.Account closed or refused

Mr D has complained Lloyds Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in his name.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4916412.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.