Lloyds Bank PLC

Financial Ombudsman decision DRN7307587 Upheld

Upheldoutcome, as published by the Ombudsman

£400redress stated in the decision

Fri Feb 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, Charges and fees, Service failure

In the Ombudsman’s words

The bank wrote to Mr and Mrs J in January 2017, telling them the account would be closed and passed to a debt collection agency.Account closed or refused

Mr and Mrs J complain that Lloyds Bank PLC unfairly applied charges and defaulted their account.Charges and fees

Lloyds agrees that the service it provided was not good enough and it failed to call back when it said it would.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7307587.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.