Lloyds Bank PLC

Financial Ombudsman decision DRN8585159 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Sep 17deadline 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

APP scam refund refused, Card dispute or chargeback

In the Ombudsman’s words

Mr Y complains that Lloyds Bank PLC are holding him liable for transactions made on a credit card account which he says was opened in his name without his knowledge or consent.APP scam refund refused

I instruct Lloyds Bank PLC to deduct from the balance Mr Y owes, any transactions made after 17 September 2018 – and associated interest, fees and charges.Card dispute or chargeback

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: DRN8585159.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.