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 63 results
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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-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-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 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 DRN7221894
22 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr T complains that Lloyds TSB Bank Plc was irresponsible in its lending to him while he was a student. In particular, he says that it wrongly offered him a graduate loan when he continued his studies after his first degree, re-financed that loan several times when the repayments were una... (2 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 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-4059489
16 May 2023 TSB Bank plc Not upheldConsumer CreditDRN-4059489 The complaint Miss H complains that it was irresponsible of TSB Bank plc to agree a loan for her. What happened In November 2021, Mrs H applied for and received a loan of £10,000. It was to be repaid in 84 monthly instalments of £154.22. She told TSB she wanted to use most of t... (3 pages)View decision -
Decision Reference DRN1325602
18 Jul 2017 TSB Bank plc Not upheldBanking and creditMr R, acting with power of attorney for Mr D, complains that TSB Bank plc was irresponsible in granting Mr D a loan.backgroundMr D took out a loan of £11,500 with TSB in February 2014. This was to consolidate a loan he already had, and to repay debts Mr D had incurre... (3 pages)View decision
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