Lloyds Bank PLC

Financial Ombudsman decision DRN4928598 Upheld

Upheldoutcome, as published by the Ombudsman

£2,000redress stated in the decision

Mon Nov 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

They weren’t aware these were fee-paying accounts. Although Lloyds made sure there was no money owing when they were closed in May, they’d already sent default notices to Mr and Mrs P.Account closed or refused

Mr and Mrs P have complained Lloyds Bank plc gave them accounts they didn’t want and then registered information on their credit records which has caused them problems.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4928598.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.