Lloyds Bank PLC

Financial Ombudsman decision DRN-5745963 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Dec 30deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Miss B made a complaint to Lloyds about the overdraft lending being unaffordableIrresponsible lending

Lloyds also needs to remove any negative information that was added to her credit file as a result of these lending decisionsCredit 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-5745963.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.