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Lloyds Bank PLC
Financial Ombudsman decision DRN3976990 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
—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
Complaint handling, Service failure
In the Ombudsman’s words
He considers in any event it should not have brought court proceedings against him and in doing so it breached both sections 77-79 of Consumer Credit Act 1974 and its obligations under sections 3 and 5 the Office of Fair Trading’s ‘s Debt Collection Guidance. He says it failed to respond to one of his letters as it promised to and provided poor customer service. Further he considers it should have investigated his complaint but did not do so.Complaint handling
He says it failed to respond to one of his letters as it promised to and provided poor customer service.Service failure
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3976990.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.