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-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 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 DRN9873823
8 Mar 2018 TSB Bank plc Not upheldBanking and creditMr G complains TSB Bank plc lent to him irresponsibly when it loaned him money in 2013 and again in 2015. He complains the interest rates were high and this is why repayments weren’t affordable and he doesn’t believe affordability checks were carried out.Mr G is being ... (3 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 DRN7785298
8 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMiss A complains that Lloyds TSB Bank plc is guilty of irresponsible lending as it agreed to her request for a loan, when this was clearly unaffordable, and then did not offer sufficient help when she found herself in financial difficulties. background Miss A applied for a loan online... (2 pages)View decision -
Decision Reference DRN6827940
11 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs A complain that Lloyds TSB Bank Plc granted them two unaffordable personal loans, which have caused them considerable financial difficulties. They also say Lloyds TSB provided poor customer service in dealing with their complaint, and should remove adverse information it recor... (2 pages)View decision -
Decision Reference DRN3299408
23 Nov 2015 TSB Bank plc Not upheldBanking and creditMr B’s mother (Mrs B) complains, on behalf of Mr B, that TSB Bank plc made her son’s financial position worse by lending him more money than he needed and that it didn’t do enough checks for the online loan applications.backgroundMr B applied for an £11,000 loan ... (2 pages)View decision -
Decision Reference DRN1918516
26 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr J complains that Lloyds TSB Bank Plc was irresponsible in approving a consolidation loan that left him in a worse position than before.backgroundMr J took out a loan with the bank to consolidate two existing credit card debts and another loan. He says he was mis-sold the loan as it w... (2 pages)View decision -
Decision Reference DRN1194274
9 Oct 2017 TSB Bank plc UpheldBanking and creditMrs I complains about the action that TSB Bank plc has taken to recover money from an informal loan it made to her.backgroundMrs I paid £1,000 in over the counter at a branch of TSB on 4 April. She wanted it to go to her credit card account with a different bank. Bu... (4 pages)View decision -
Decision Reference DRN5918366
31 May 2019 TSB Bank plc Not upheldBanking and creditMr M complains that TSB Bank plc (TSB) won’t write off his outstanding credit card debt. He says because of his health issues he’s unlikely to ever be in a position to pay the debt off.backgroundThe background to this complaint, and my initial conclusions, were set... (6 pages)View decision
