Lloyds Bank PLC

Financial Ombudsman decision DRN0775327 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 12deadline 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 M has complained that Lloyds Bank PLC (“Lloyds”) irresponsibly provided him with an unaffordable credit card and unaffordable loans.Irresponsible lending

Remove any adverse information recorded on Mr M’s credit file as a result of his credit card limit being increased over £850.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0775327.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.