Bank of Scotland Plc

Financial Ombudsman decision DRN0935189 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Mar 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, Product mis-sold

In the Ombudsman’s words

I am satisfied that Lloyds correctly followed its lending policies and procedures including credit scoring and affordability checks at the time the loan was offered.Irresponsible lending

Mrs H complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc) mis-sold her loans she did not want.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0935189.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.