Lloyds Bank PLC

Financial Ombudsman decision DRN-6055275 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu May 14deadline 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

Mr J complains that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it provided him with two separate overdraft facilitiesIrresponsible lending

Remove any adverse information about the two overdrafts from January 2023 as appropriate from Mr J's credit file once any outstanding debt has been repaid.Credit 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-6055275.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.