Lloyds Bank PLC

Financial Ombudsman decision DRN3676888 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

—deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

The bank accepted that Miss K should have been put through to its collections department so she could make an immediate payment. It has refunded £221.74 in charges to reduce the outstanding overdraft to £300.Charges and fees

It has offered to remove the default from Miss K’s credit record if she pays the balance owing within 28 days.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3676888.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.