Creditor, lender or debt-collection entity

Lloyds Bank

Independent information on Lloyds Bank plc, missed-payment support, money worries, complaints and repayment checks.

Lloyds publishes dedicated support for customers who have missed payments or are worried about future payments on loans, credit cards, overdrafts and mortgages. Contact the bank early and base any arrangement on what is affordable after essential household commitments.

What role does Lloyds Bank have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Lloyds Bank plc is registered in England and Wales under company number 00002065. Lloyds states that it is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA under registration number 119278.

Lloyds Bank plc states that it is authorised by the PRA and regulated by the FCA and PRA under registration number 119278.

Contacting Lloyds Bank

Use Lloyds’ official online banking, app or current money-worries contact routes. The correct route depends on whether the account is a loan, credit card, overdraft or mortgage.

If you want to complain

Lloyds publishes a formal complaint process and explains that unresolved eligible complaints can be referred to the Financial Ombudsman Service.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Lloyds Bank. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.