Published decisions
678
Firm-specific decision volume in the public corpus
Firm analysis
Lloyds TSB Bank Plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Lloyds TSB Bank Plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
678 published decisions involving Lloyds TSB Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
678
Firm-specific decision volume in the public corpus
Upheld rate
14.0%
95 upheld decisions
Latest published decision 03 Oct 2013
Upheld rate
14.0%
95 upheld decisions
Leading product
Banking and credit
529 decisions
Leading complaint theme
Delay In Claim Handling
95 tagged decisions
Lloyds TSB Bank Plc at a glance
Lloyds TSB Bank Plc appears in 678 published decisions in this corpus. 14.0% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 529 decisions and an upheld rate of 13.2%.
- Latest active year in the published data: 2013 (678 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Lloyds TSB Bank Plc's public decision trail is comparatively narrow, which limits how much trend commentary can be drawn safely.
In the latest year represented here, Lloyds TSB Bank Plc appeared in 678 published decisions with an upheld rate of 14.0%.
- 2013: 678 decisions, 14.0% upheld
Themes, products, and precedent signals
Delay In Claim Handling is the strongest complaint-theme signal tied to Lloyds TSB Bank Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 75 Cca, Disp, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and credit: 529 decisions
- Second complaint theme: Affordability Assessment Failure
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN217039203 Oct 2013Not upheld
Lloyds TSB Bank Plc · Banking and credit
Mr E complains that Lloyds Bank PLC has wrongly applied interest and charges to his business current account.backgroundMr E was a sole trader and had a business current account with Lloyds. In 2009 the account was closed when the £100,000 overdrawn balance was repaid with the proceeds fr... (2 pages)
View source decisionDRN349594503 Oct 2013Not upheld
Lloyds TSB Bank Plc · Banking and credit
Mr K complains that Lloyds Bank PLC did not honour a cheque he had written to pay his credit card bill. background Lloyds incorrectly issued Mr K a cheque book against an account which did not have either a cheque book or overdraft facility. When Mr K wrote a cheque to pay his credit... (2 pages)
View source decisionDRN487451703 Oct 2013Not upheld
Lloyds TSB Bank Plc · Payment protection insurance (PPI)
This complaint concerns the sale of a regular premium payment protection insurance (“PPI”) policy taken out in conjunction with a credit card in 2004. Mr K says Lloyds Bank PLC (“Lloyds”) mis-sold the policy to him, citing a number of reasons. For the avoidance of doubt, and in line wi... (3 pages)
View source decisionDRN567116403 Oct 2013Not upheld
Lloyds TSB Bank Plc · Banking and credit
Mrs A complains that Lloyds Bank PLC did not update her address details on her credit card account, so she did not receive statements showing that she needed to make a payment. Lloyds then recorded adverse information on her credit file when the payment was not made. our initial ... (2 pages)
View source decisionDRN571071403 Oct 2013Not upheld
Lloyds TSB Bank Plc · Banking and credit
Mr C says Lloyds Bank Plc is wrong to hold him responsible for a cash withdrawal from a cash machine which the bank has debited to his account. backgroundThe disputed withdrawal took place shortly before another cash withdrawal which Mr C accepts he made. Having carefully considered ... (1 page)
View source decision