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 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-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 -
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 DRN2685146
13 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs C complain that Lloyds TSB Bank Plc irresponsibly provided them with further credit through their current account, credit card and two personal loans. They also complain that Lloyds TSB did not respond positively and sympathetically to their financial difficulties, and that t... (2 pages)View decision -
Decision Reference DRN4459517
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly applied interest and charges to his credit card account after he entered into a debt management plan (DMP). He asks that interest and charges applied since then are refunded. Mr B also says that Lloyds acted i... (2 pages)View decision -
Decision Reference DRN8500174
31 Jul 2018 TSB Bank plc Not upheldBanking and creditMr S1 complains about two loans that TSB Bank plc made to him. Mr S1’s son, Mr S2, brings this complaint on his father’s behalfbackgroundMr S1 took out three loans with TSB. He complains about the second and third loans, focussing mainly on the second. Mr S2 told... (4 pages)View decision -
Decision Reference DRN-5256170
21 Feb 2025 TSB Bank plc Not upheldConsumer CreditDRN-5256170 The complaint Mr W has complained to TSB Bank plc that it lent to him irresponsibly in December 2023 by approving a loan for him for £20,000 repayable over 84 months. Mr W says that he was not aware of the interest rate on the loan and when he did realise he was not happy w... (5 pages)View decision -
Decision Reference DRN5570008
20 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditOn behalf of Mr E, his father complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc) was irresponsible in increasing Mr E’s overdraft limit on a number of occasions, and in agreeing to issue him with a credit card. Mr E’s debts have since been repaid, but his father wants the ba... (2 pages)View decision -
Decision Reference DRN2436994
31 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds TSB Bank Plc PLC lent irresponsibly to him after he informed the bank of his gambling problem. background The circumstances leading to this complaint were set out in my provisional decision dated 8 October 2013, a copy of which is attached and forms part of ... (5 pages)View decision
