Lloyds Bank PLC

Financial Ombudsman decision DRN3070403 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Mon Aug 17deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

It’s required to respond sympathetically and positively if someone can’t afford to pay it because of financial difficulty.Treatment in financial difficulty

Mr P is concerned Lloyds accessed his credit file in 2010, and made four searches.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3070403.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.