Published decisions
6,055
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%
1,570 upheld decisions
Page summary
6,055 published decisions involving The Royal Bank of Scotland Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
6,055
Firm-specific decision volume in the public corpus
Upheld rate
25.9%
1,570 upheld decisions
Latest published decision 06 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
6,055
Firm-specific decision volume in the public corpus
Upheld rate
25.9%
1,570 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 6,055 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 (6 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 6 published decisions with an upheld rate of 33.3%.
- 2026: 6 decisions, 33.3% 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-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 decisionDRN-614120310 Feb 2026Upheld
The Royal Bank of Scotland Plc · Banking and Payments
For the reasons mentioned above, my final decision is to partially uphold this complaint against The Royal Bank of Scotland Plc, and my requirements are detailed in the above ‘putting things right’ section of this decision paper. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 10 March 2026.
View source decisionDRN-591644905 Feb 2026Not upheld
The Royal Bank of Scotland Plc · Banking and Payments
I do not uphold Mr A’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 5 March 2026.
View source decisionDRN-600269305 Feb 2026Not upheld
The Royal Bank of Scotland Plc · Consumer Credit
My final decision is that I’m not upholding Ms P’s complaint about The Royal Bank of Scotland Plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms P to accept or reject my decision before 5 March 2026.
View source decisionDRN-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