Lloyds Bank PLC

Financial Ombudsman decision DRN9456184 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Nov 14deadline 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

Funds blocked or frozen, Bereavement and power of attorney

In the Ombudsman’s words

reasonable in these circumstances for the bank to freeze access to the account until the proper authorities are in placeFunds blocked or frozen

Because no Power of Attorney (“POA”) had been registered to authorise his use of the card, Lloyds refused to issue a replacement until the appropriate authorities could be set upBereavement and power of attorney

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9456184.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.