Lloyds Bank PLC

Financial Ombudsman decision DRN5305219 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Mon Jan 11deadline 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

Once interest charges were applied to the overdraft, it soon exceeded the £1,500 overdraft limit.Charges and fees

Ms R complains that Lloyds Bank plc were wrong to tell the credit reference agencies (CRAs) that she’d exceeded her overdraft limit.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5305219.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.