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 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 -
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 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-3793934
16 Nov 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3793934 The complaint Mr R complains that TSB Bank plc irresponsibly gave him a credit card account that he couldn’t afford. What happened On 12 February 2017, Mr R applied for and was given a credit card account with TSB Bank plc. Mr R was given an initial credit limit of £2,800. This... (2 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 DRN7426724
14 Sep 2018 TSB Bank plc Not upheldBanking and creditMr W complained that TSB Bank plc was irresponsible in lending to him. He said it means he can’t apply for a mortgage. He wants an apology, his debt written off, and his credit file cleared.backgroundMr W opened an account with TSB in 2010. When he became 18 in 201... (5 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 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 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