We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 28 results
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Decision Reference DRN0858968
2 Mar 2020 TSB Bank plc UpheldBanking and creditMiss O complains that TSB Bank plc irresponsibly gave her an overdraft and later increased that overdraft limit.backgroundMiss O applied for an overdraft in August 2018 but TSB refused the application and told her that any lending would be irresponsible as she was spending her money on gam... (4 pages)View decision -
Decision Reference DRN0627749
4 Jul 2017 TSB Bank plc UpheldBanking and creditMiss O complains that TSB Bank plc acted irresponsibly when it agreed to extend her overdraft facility and didn’t do enough checks to make sure she could afford it. Miss O says the overdraft facility has trapped her into a cycle of debt which she was (and still... (5 pages)View decision -
Decision Reference DRN-3707034
19 Dec 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3707034 The complaint Mr G complains TSB Bank plc (“TSB”) provided an overdraft to him that was unaffordable. What happened In August 2014, Mr G applied for an overdraft facility of £1,500 for his current account. TSB approved this request. Following this, Mr G’s overdraft limit was in... (4 pages)View decision -
Decision Reference DRN8000632
15 Mar 2018 TSB Bank plc UpheldBanking and creditMr K, represented by his mother, complained that TSB Bank plc had lent to him irresponsibly.backgroundMr K had previously had a TSB account for those aged under 19. This didn’t have a lending facility. In April 2017, he went into a TSB branch and transferred to a d... (7 pages)View decision -
Decision Reference DRN-3650803
16 Aug 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3650803 The complaint Mr A complains about an overdraft limit that TSB Bank plc provided to him on his bank account. He says that he had a gambling addiction and that it was irresponsible for TSB Bank plc to provide him this facility. What happened Mr A has two accounts with TSB Bank p... (5 pages)View decision -
Decision Reference DRN-3365766
11 Mar 2022 TSB Bank plc UpheldConsumer CreditDRN-3365766 The complaint Miss G complains that TSB Bank plc (“TSB”) lent to her irresponsibly when they gave her two loans. What happened Miss G took out three loans with TSB. The first was in May 2019 and was paid off. The next loan was taken out in October for £2,300 and another in Nove... (5 pages)View decision -
Decision Reference DRN-5574429
30 May 2025 TSB Bank plc UpheldBanking and PaymentsThe complaint Mrs O has complained that TSB Bank plc (‘TSB’) irresponsibly agreed to give her an overdraft facility and then went on to agree increases she couldn’t afford. She says TSB ought not to have provided her with the facility as it worsened her financial situation. What happened M... (4 pages)View decision -
Decision Reference DRN-5348698
24 Feb 2025 TSB Bank plc UpheldConsumer CreditDRN-5348698 The complaint Mr S complains that TSB Bank plc was irresponsible in its lending to him. What happened Mr S was provided with a £8,000 fixed sum loan agreement by TSB in September 2023. The loan term was 60 months and Mr S was required to make monthly repayments of £215.53. H... (4 pages)View decision -
Decision Reference DRN-5400496
19 Mar 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5400496 Complaint Miss N has essentially complained that TSB Bank plc (“TSB”) unfairly provided her with an overdraft that was unaffordable. She also says that it continued applying charges to her overdraft even after it should have realised that she couldn’t sustainably repay it. ... (6 pages)View decision -
Decision Reference DRN-4340309
15 Sep 2023 TSB Bank plc UpheldConsumer CreditDRN-4340309 The complaint Mr C complains that TSB Bank plc irresponsibly agreed a loan for him. What happened TSB agreed a loan of £3,000 for Mr C in February 2021. The total amount owed was £4,105.44 to be repaid at £114.04 a month over 36 months. I understand that Mr C made most of his r... (5 pages)View decision
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