Lloyds Bank PLC

Financial Ombudsman decision DRN-6203348 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Fri Apr 03deadline 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

APP scam refund refused, Complaint handling

In the Ombudsman’s words

Mr D complains that Lloyds Bank PLC is unfairly holding him responsible for the balance of a credit card that was accumulated when he was the victim of manipulation and blackmail.APP scam refund refused

Lloyds continued to use incorrect contact details for Mr D – which were provided on the application and most likely belonged to the fraudster.Complaint handling

Rules cited

Consumer Credit Act 1974, Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6203348.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.