Published decisions
6,059
Firm-specific decision volume in the public corpus
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.
Upheld rate
25.9%
1,571 upheld decisions
Page summary
6,059 published decisions involving The Royal Bank of Scotland Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
6,059
Firm-specific decision volume in the public corpus
Upheld rate
25.9%
1,571 upheld decisions
Latest published decision 31 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
6,059
Firm-specific decision volume in the public corpus
Upheld rate
25.9%
1,571 upheld decisions
Leading product
Payment protection insurance (PPI)
2,285 decisions
Leading complaint theme
Delay In Claim Handling
541 tagged decisions
The Royal Bank of Scotland Plc at a glance
AnalysisThe Royal Bank of Scotland Plc appears in 6,059 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 (10 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisThe 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 10 published decisions with an upheld rate of 30.0%.
- 2026: 10 decisions, 30.0% 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
AnalysisDelay 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-618588531 Mar 2026Upheld
The Royal Bank of Scotland Plc · Banking and Payments
The Royal Bank of Scotland Plc must pay Miss S £100 for the distress and inconvenience caused by its service. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss S to accept or reject my decision before 28 April 2026.
View source decisionDRN-625030731 Mar 2026Not upheld
The Royal Bank of Scotland Plc · Banking and Payments
For the reasons stated, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs M and Mr M to accept or reject my decision before 28 April 2026.
View source decisionDRN-600261223 Mar 2026Not upheld
The Royal Bank of Scotland Plc · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms P to accept or reject my decision before 20 April 2026.
View source decisionDRN-616516723 Mar 2026Not upheld
The Royal Bank of Scotland Plc · Banking and Payments
For the reasons stated, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 20 April 2026.
View source decisionDRN-601697406 Mar 2026Not upheld
The Royal Bank of Scotland Plc · Banking and Payments
My decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 3 April 2026.
View source decision