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Lloyds Bank PLC in Banking and credit

A curated public analysis of Lloyds Bank PLC's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

4,946 published FOS decisions involving Lloyds Bank PLC in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

4,946

Decision volume in this firm-product slice

Upheld rate

13.3%

657 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

4,946

Decision volume in this firm-product slice

Upheld rate

13.3%

657 upheld decisions

Latest active year

2021

68 decisions

Leading complaint theme

Delay In Claim Handling

738 tagged decisions

Lloyds Bank PLC in Banking and credit

Lloyds Bank PLC appears in 4,946 published decisions in Banking and credit across this corpus. 13.3% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 68 published decisions and an upheld rate of 41.2%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

Lloyds Bank PLC has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of Lloyds Bank PLC's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 68 decisions, 41.2% upheld
  • 2020: 267 decisions, 20.6% upheld
  • 2019: 526 decisions, 14.4% upheld
  • 2018: 524 decisions, 13.9% upheld
  • 2017: 565 decisions, 11.0% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN077532710 Sept 2021Upheld

Lloyds Bank PLC · Banking and credit

Complaint Mr M has complained that Lloyds Bank PLC (“Lloyds”) irresponsibly provided him with an unaffordable credit card and unaffordable loans. Background Mr M also has a complaint about an overdraft he jointly took out with his wife. And Mr M’s wife has her own complaint about loans in ... (8 pages)

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DRN084391003 Sept 2021Not upheld

Lloyds Bank PLC · Banking and credit

Mr S has complained that Lloyds Bank PLC (“Lloyds”) mis-sold him a fee-paying Premier packaged bank account in May 2007. Amongst other things he says the benefits were not explained to him, he was unaware that he could have a free account and that he tried to downgrade on a number of occas... (3 pages)

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DRN206904703 Sept 2021Upheld

Lloyds Bank PLC · Banking and credit

Complaint Mr B has complained that Lloyds Bank PLC (“Lloyds”) unfairly added interest and charges to his overdraft when he was experiencing financial difficulty. He’s unhappy with the amount Lloyds had refunded so far. Background Mr B has also complained about the interest, fees and charge... (2 pages)

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DRN547543513 Aug 2021Not upheld

Lloyds Bank PLC · Banking and credit

Mr and Mrs N are unhappy Lloyds Bank PLC (“Lloyds”) won’t reimburse them monies lost following Mr N falling victim to a scam. Mrs N has represented Mr N throughout the complaint. What happened The details of this case are well known to both parties and the investigator has provided a detai... (9 pages)

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DRN386561412 Aug 2021Upheld

Lloyds Bank PLC · Banking and credit

Mr E complains Lloyds Bank PLC (“Lloyds”) continued charging him excessive amounts for his overdraft after he’d notified it of a change in his personal circumstances. Mr E is being assisted by his wife, Mrs E, in bringing this complaint to our service. background In October 2018, Mr E wrot... (4 pages)

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