Lloyds Bank PLC

Financial Ombudsman decision DRN7102823 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Jun 08deadline 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, Complaint handling

In the Ombudsman’s words

Mrs W complains that Lloyds Bank plc didn’t provide a full refund when she wanted it to arrange for chargeback of payments made to a third party (F) on her debit card.Card dispute or chargeback

I require Lloyds Bank plc to pay Mrs W another £100 to reflect the additional inconvenience and upset she’s experienced because it didn’t investigate this complaint properly.Complaint handling

Rules cited

Consumer Credit Act 1974, Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7102823.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.