Lloyds Bank PLC

Financial Ombudsman decision DRN5176312 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Jul 06deadline 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

Card dispute or chargeback, Service failure

In the Ombudsman’s words

Mr B complains that Lloyds Bank PLC only offered to refund 50% of his holiday costs under a Section 75 claim.Card dispute or chargeback

I agree that initially, Lloyds didn’t provide the service that Mr B was entitled to expect. It should’ve been clearer about the information Mr B needed to provide and it could have dealt with the claim more quickly.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5176312.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.