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 DRN4024151
9 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMrs B complains that Lloyds Bank PLC (previously Lloyds TSB Bank plc) wrongly lent her £20,000 when her monthly income was too low to afford that amount. She also complains that the loan was used by the bank to repay existing credit card debts belonging to her and her husband, rather ... (2 pages)View decision -
Decision Reference DRN4567774
19 Apr 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr K’s complaint is that a loan provided to him in July 2011 by Lloyds TSB Bank Plc (“Lloyds TSB”) was not affordable and the lending was therefore irresponsible. This was the case especially given that Mr K already had a loan with Lloyds TSB, from August 2009. It is also complained of ... (3 pages)View decision -
Decision Reference DRN7116147
3 Dec 2013 Lloyds Bank PLC UpheldBanking and creditMs L complains that Lloyds Bank plc (previously Lloyds TSB Bank plc):1.Agreed a loan which it knew she could not afford.2.Encouraged her to spend on her credit card when she could not afford to repay it.3.Did not help her when she told it she was experiencing financial difficulties.... (3 pages)View decision -
Decision Reference DRN-3314377
15 Feb 2022 TSB Bank plc UpheldConsumer CreditDRN-3314377 The complaint Miss B complains about some loans she got from TSB Bank plc (TSB). What happened I issued my provisional decision on this case on 27 January 2022. I gave both parties the chance to respond with anything else they wanted me to consider by 10 February 2022. I have c... (8 pages)View decision -
Decision Reference DRN-2045486
27 Oct 2020 TSB Bank plc UpheldBanking and PaymentsDRN-2045486 The complaint Miss G complains that TSB Bank plc didn’t close her account when she asked it to. And she says now it’s asking her to pay interest and fees on a debt she didn’t know she had. What happened Miss G told us she’d closed her account with TSB in April 2018. But then ab... (5 pages)View decision -
Decision Reference DRN-4340309
15 Sep 2023 TSB Bank plc UpheldConsumer CreditDRN-4340309 The complaint Mr C complains that TSB Bank plc irresponsibly agreed a loan for him. What happened TSB agreed a loan of £3,000 for Mr C in February 2021. The total amount owed was £4,105.44 to be repaid at £114.04 a month over 36 months. I understand that Mr C made most of his r... (5 pages)View decision -
Decision Reference DRN-3365766
11 Mar 2022 TSB Bank plc UpheldConsumer CreditDRN-3365766 The complaint Miss G complains that TSB Bank plc (“TSB”) lent to her irresponsibly when they gave her two loans. What happened Miss G took out three loans with TSB. The first was in May 2019 and was paid off. The next loan was taken out in October for £2,300 and another in Nove... (5 pages)View decision -
Decision Reference DRN8615961
10 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMrs T complains that Lloyds TSB Bank plc acted irresponsibly in providing credit to her which she was unable to afford.The complaint is brought on Mrs T’s behalf by a claims handling company.backgroundThe claims handling company said that Mrs T had been granted a credit card limit of ... (2 pages)View decision -
Decision Reference DRN-4041070
3 May 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4041070 The complaint Miss G complains about unarranged overdraft fees applied to her account with TSB Bank plc (“TSB”) and says that TSB acted irresponsibly by allowing her a £50 overdraft. She would like a refund of all charges since 2016. What happened Miss G held an account with TS... (3 pages)View decision -
Decision Reference DRN-3350685
5 Apr 2022 TSB Bank plc Not upheldConsumer CreditDRN-3350685 The complaint Mr O complains that TSB Bank plc (“TSB”) lent to him irresponsibly and gave him a loan higher than what he had requested and at a higher interest rate. What happened Mr O requested a loan of £25,000 from TSB in December 2019 but this was declined and instead they ... (4 pages)View decision
