Published decisions
1,677
Decision volume in this firm-product slice
Firm + product analysis
TSB Bank plc in Banking and credit
A curated public analysis of TSB Bank plc's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.
Page summary
1,677 published FOS decisions involving TSB Bank plc in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,677
Decision volume in this firm-product slice
Upheld rate
33.0%
554 upheld decisions
Latest published decision 03 Sept 2021
Upheld rate
33.0%
554 upheld decisions
Latest active year
2021
28 decisions
Leading complaint theme
Delay In Claim Handling
326 tagged decisions
TSB Bank plc in Banking and credit
TSB Bank plc appears in 1,677 published decisions in Banking and credit across this corpus. 33.0% 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 28 published decisions and an upheld rate of 39.3%.
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Section 75 Cca
- Advisor risk signal for Banking and credit: low
How the slice behaves over time
TSB Bank 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 TSB Bank 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: 28 decisions, 39.3% upheld
- 2020: 153 decisions, 41.8% upheld
- 2019: 381 decisions, 42.5% upheld
- 2018: 247 decisions, 38.5% upheld
- 2017: 310 decisions, 23.5% 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
DRN696555003 Sept 2021Not upheld
TSB Bank plc · Banking and credit
Mr and Mrs M complain that TSB Bank plc won’t refund money they lost when they fell victim to a scam. background I issued a provisional decision – which is attached to and forms part of this final decision, on 6 August 2021. In my provisional decision I explained why I wasn’t minded to uph... (9 pages)
View source decisionDRN636065923 Jul 2021Upheld
TSB Bank plc · Banking and credit
Mrs A’s complaint is about a mortgage she and her late ex-husband (Mr S) had with TSB Bank plc. She is unhappy that she wasn’t kept informed about the status of the mortgage and wasn’t consulted about a payment arrangement TSB agreed with Mr S. Mrs A would like the adverse data recorded on... (10 pages)
View source decisionDRN575479130 Jun 2021Upheld
TSB Bank plc · Banking and credit
Complaint Mrs P complains that TSB Bank plc won’t refund money she lost having fallen victim to a scam, and that it provided her with an unaffordable loan, that she only applied for as a result of the scam. Background I issued my provisional decision on 30 March 2021. A copy of my provisio... (15 pages)
View source decisionDRN970287117 Jun 2021Not upheld
TSB Bank plc · Banking and credit
Mr P complains about TSB Bank plc’s refusal to give him the refund he considers he is entitled to. background In September 2018 Mr P hired a car while he was abroad. He used his credit card provided by a third party who is not involved in this complaint, to pay for the hire. But on collect... (5 pages)
View source decisionDRN706639011 Jun 2021Not upheld
TSB Bank plc · Banking and credit
Mr B complains that TSB Bank plc won’t refund £5,910 that he lost when he fell victim to a scam. background I issued a provisional decision in May 2021 to explain why I thought Mr B’s complaint shouldn’t be upheld. And I said I’d consider anything else that anyone wanted to give me. This i... (6 pages)
View source decision