Lloyds Bank PLC

Financial Ombudsman decision DRN1638203 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Jul 23deadline 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

They’re unhappy that when they agreed a repayment plan, the bank put this information on their credit files.Credit file reporting

And, after they’d borrowed money from family to clear debt at the bank and qualify for a bank loan, Lloyds refused their application. They feel the bank misled them.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1638203.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.