Lloyds Bank PLC

Financial Ombudsman decision DRN-5697799 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Thu Aug 17deadline 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, Support for vulnerable customers

In the Ombudsman’s words

I don’t think it would be fair or reasonable for me to ask Lloyds to reverse the default and recall the debt.Credit file reporting

Lloyds failed to provide him with adequate support as he was a vulnerable customer.Support for vulnerable customers

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5697799.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.