Removal of Missed Payments from Lloyds

jodie789

Hi Guys,
Lots of you have helped me in the past - though I can't find my other older account name on here, but anyway,  I just wanted to post what happened here in case it's of use to anyone.
During lockdown I lost a lot of income and got into trouble with my card debts etc.
I missed some payments on my credit card with Lloyds Bank. I explained to them at the time that I had absolutely no choice due to my work situation.
Anyway they still marked my credit file with their missed payment indicators which made my situation really difficult as I was hoping to move house etc.
I complained strongly to them but they said unless they had made an error, they never remove missed payment indicators, end of story.
I knew it was  unfair as I'd been a customer for years; also they kept saying they were there to help in their ads over coronavirus, which had caused my situation.
So I contacted the Financial Ombudsman and explained that I felt they had treated me unfairly. 
It took a good few months to hear back but the result was that Lloyds agreed to remove them. I am grateful to the Ombudsman and lucky this was the decision.
So I'm just putting this hear to encourage anyone that feels they've not been treated fairly.
I know it is notoriously difficult to get credit scores altered unless it is their fault - as I spent ages looking into it - but  it is not impossible if you've been treated badly by these mean banks. 
Just hope this might encourage anyone in  a difficult situation to try.
Remember these banks don't care about you, whatever their ads say!





 

[Deleted User]

Just for reference, Lloyds might have agreed to do this to solve it as it's cheaper than arguing or FOS maybe told them they should have used it as a hardship case. If you missed payments, then marking your file with missed payments is correct per the ICO guidance however