Lloyds Bank PLC

Financial Ombudsman decision DRN-5896569 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 02deadline 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, Complaint handling

In the Ombudsman’s words

MBNA said it had arranged for the heard search which had been carried out when Mr S applied for the loan to be removed from his credit file.Credit file reporting

Mr S raised a complaint with MBNA in early August 2025. He was overseas for most of August and on his return found a letter containing the banks final response.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5896569.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.