Firm + product analysis

The Royal Bank of Scotland Plc in Banking and credit

A curated public analysis of The Royal Bank of Scotland Plc's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

2,209 published FOS decisions involving The Royal Bank of Scotland Plc in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,209

Decision volume in this firm-product slice

Upheld rate

15.6%

345 upheld decisions

Latest published decision 23 Jul 2021

Published decisions

2,209

Decision volume in this firm-product slice

Upheld rate

15.6%

345 upheld decisions

Latest active year

2021

16 decisions

Leading complaint theme

Delay In Claim Handling

376 tagged decisions

The Royal Bank of Scotland Plc in Banking and credit

The Royal Bank of Scotland Plc appears in 2,209 published decisions in Banking and credit across this corpus. 15.6% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 16 published decisions and an upheld rate of 31.3%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

The Royal Bank of Scotland Plc has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of The Royal Bank of Scotland Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 16 decisions, 31.3% upheld
  • 2020: 87 decisions, 25.3% upheld
  • 2019: 184 decisions, 24.5% upheld
  • 2018: 180 decisions, 16.1% upheld
  • 2017: 249 decisions, 15.3% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN366979523 Jul 2021Upheld

The Royal Bank of Scotland Plc · Banking and credit

Complaint Miss D has complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued applying charges to her overdraft when she was in financial hardship. Background I attach my provisional decision of 8 July 2021, which forms part of this final decision. In my provisional decisi... (4 pages)

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DRN931009519 Jul 2021Upheld

The Royal Bank of Scotland Plc · Banking and credit

Complaint Mr K has complained that The Royal Bank of Scotland Plc (“RBS”) unfairly debited interest, fees and charges from his account when it ought to have realised that he was experiencing financial difficulty. Background One of our adjudicators looked at this complaint and thought RBS s... (2 pages)

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DRN502480315 Jun 2021Not upheld

The Royal Bank of Scotland Plc · Banking and credit

Complaint Mr and Mrs S and Mr and Mrs T were business partners. They complain about the actions of The Royal Bank of Scotland Plc (“RBS”) regarding the management of their loan accounts. Background In 2007, the partners purchased a development site with the intention of building three new ... (3 pages)

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DRN541233922 Apr 2021Not upheld

The Royal Bank of Scotland Plc · Banking and credit

Mr B, who is represented by a claims management company (CMC) complain that The Royal Bank of Scotland Plc (RBS) rejected their claim under Section 75 Consumer Credit Act 1974 in respect of a holiday club. background In June 2015 Mr and Mrs B took out holiday club trial membership with a c... (3 pages)

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DRN658758122 Apr 2021Not upheld

The Royal Bank of Scotland Plc · Banking and credit

Mr G has complained The Royal Bank of Scotland plc returned money to the sender of a payment made to buy bitcoins. This left him without either the bitcoins or £10,000 he’d received in payment. They also rejected his request to make a £50,000 payment to buy bitcoins a couple of months late... (5 pages)

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