Firm analysis

The Royal Bank of Scotland Plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving The Royal Bank of Scotland Plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

6,051 published decisions involving The Royal Bank of Scotland Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

6,051

Firm-specific decision volume in the public corpus

Upheld rate

25.9%

1,569 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

6,051

Firm-specific decision volume in the public corpus

Upheld rate

25.9%

1,569 upheld decisions

Leading product

Payment protection insurance (PPI)

2,285 decisions

Leading complaint theme

Delay In Claim Handling

540 tagged decisions

The Royal Bank of Scotland Plc at a glance

The Royal Bank of Scotland Plc appears in 6,051 published decisions in this corpus. 25.9% 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.

Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 2,285 decisions and an upheld rate of 37.2%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

The Royal Bank of Scotland Plc's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, The Royal Bank of Scotland Plc appeared in 2 published decisions with an upheld rate of 50.0%.

  • 2026: 2 decisions, 50.0% upheld
  • 2025: 180 decisions, 23.3% upheld
  • 2024: 178 decisions, 36.5% upheld
  • 2023: 187 decisions, 25.1% upheld
  • 2022: 214 decisions, 25.2% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to The Royal Bank of Scotland Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Disp, Section 75 Cca, 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.

  • Payment protection insurance (PPI): 2,285 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-590687102 Feb 2026Not upheld

The Royal Bank of Scotland Plc · Banking and Payments

For the reasons I’ve explained, I’m not upholding Mr B’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 2 March 2026.

View source decision
DRN-611394729 Jan 2026Upheld

The Royal Bank of Scotland Plc · Banking and Payments

The Royal Bank of Scotland Plc has already made an offer to pay £300 to settle this complaint, which it appears to have paid. And I think this offer is fair in all the circumstances.

View source decision
DRN-586323529 Dec 2025Not upheld

The Royal Bank of Scotland Plc · Banking and Payments

DRN-5863235 The complaint Mr K complains that Royal Bank of Scotland PLC (RBS) allowed him to gamble more than £11,000 in just over a week without any intervention which would have prevented the financial harm suffered by Mr K. What happened Mr K has maintained an account with RBS for m... (2 pages)

View source decision
DRN-599173023 Dec 2025Upheld

The Royal Bank of Scotland Plc · Mortgages

DRN-5991730 The complaint Mr and Mrs J complain that The Royal Bank of Scotland Plc wouldn’t just action their request to voluntarily surrender their former home, which is mortgaged with it. They said this was causing credit file damage, and RBS was also refusing to update their address... (6 pages)

View source decision
DRN-559182218 Dec 2025Not upheld

The Royal Bank of Scotland Plc · Banking and Payments

DRN-5591822 The complaint Mr J complains that The Royal Bank of Scotland Plc (RBS) won’t refund money he lost when he fell victim to a scam. A representative who I will call “W” complains on behalf of Mr J, but for ease, I will refer to Mr J throughout. What happened The background of... (3 pages)

View source decision