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 66 results
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Decision Reference DRN-6013130
16 Feb 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6013130 The complaint TSB Bank plc provided Mr H with a credit card on 11 January 2016. It had a credit limit of £500 which was never changed. On 22 June 2025, Mr H complained that TSB acted irresponsibly when it provided the credit card. What happened The details of this complaint... (2 pages)View decision -
Decision Reference DRN-5957068
14 Jan 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-5957068 The complaint Miss B complains that TSB Bank plc irresponsibly provided her with an unaffordable credit card and credit limit increases. What happened TSB Bank provided Miss B with a credit card in 2017. Details of the credit limits over the years are outlined in the table b... (4 pages)View decision -
Decision Reference DRN1668562
19 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr V complains that Lloyds TSB Bank Plc allowed him to open a credit card account at a time when his current account had exceeded his overdraft limit and he was incurring large charges as a result. He is also complaining about those charges. backgroundMr V, who has had a current accou... (2 pages)View decision -
Decision Reference DRN-4114046
6 Oct 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4114046 The complaint Mr W complains that TSB Plc, trading as TSB Bank (‘TSB’), irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr W was granted his credit card account in September 2021. The opening credit limit was £2,500. It was never increased. M... (2 pages)View decision -
Decision Reference DRN2567715
13 Oct 2015 TSB Bank plc Not upheldBanking and creditMr F complains on behalf of his son, H, that TSB Bank plc was irresponsible when lending money to H.backgroundH opened a current account with TSB in February 2014. He was given an overdraft of £100 and a credit card with a £2,500 limit. It also granted him eight ... (2 pages)View decision -
Decision Reference DRN-2951764
15 Mar 2022 TSB Bank plc Not upheldConsumer CreditDRN-2951764 The complaint Miss S complains that TSB Bank plc irresponsibly provided her with a loan. What happened Miss S says that during the first lockdown TSB called her to check her finances and she ended up with a loan she couldn’t afford. She says she has used her overdraft and credi... (3 pages)View decision -
Decision Reference DRN-5791071
23 Sep 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5791071 Complaint Miss V has complained that TSB Bank plc (“TSB”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that this was irresponsible and resulted in her having to borrow from family in order to make her payments. Backgrou... (7 pages)View decision -
Decision Reference DRN-5290875
12 Feb 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5290875 Complaint Miss N has complained about a credit card and subsequent limit increase which TSB Bank plc (trading as “TSB”) provided to her. She says that the credit card and limit increase was unaffordable for her. Background TSB initially provided Miss N with a credit card in... (4 pages)View decision -
Decision Reference DRN-5012496
11 Sep 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5012496 The complaint Miss G complains that TSB Bank plc (“TSB”) lent to her irresponsibly when it provided her with a credit card (and later when it increased the limit) and that this lending means she is now in a large amount of debt which in turn has affected her mental health. ... (5 pages)View decision -
Decision Reference DRN8490968
28 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr N complains that Lloyds TSB Bank Plc mis-sold him a credit card account. He is seeking compensation for the distress and inconvenience he says he experienced.our initial conclusionsThe adjudicator concluded there was no evidence that Mr N had been mis-sold the credit card accou... (2 pages)View decision
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