Lloyds Bank PLC

Financial Ombudsman decision DRN9909539 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Mar 01deadline 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

Lloyds has a duty to report any arrears to the credit reference agencies and I don’t consider that it has done anything wrong by doing so.Credit file reporting

Mr M complains that Lloyds Bank Plc’s failure to locate his mortgage meant that he couldn’t transfer to another product and the bank has unfairly affected his credit rating.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9909539.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.