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The Royal Bank of Scotland Plc

Financial Ombudsman decision DRN-5692102 Not upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Charges and fees

In the Ombudsman’s words

Mr B is being represented, by the (“representative”), in his complaint. Background Mr B successfully applied for an overdraft with a limit of £100 in November 2016. A few days later this, this limit was increased to £250 and it has remained at that amount since then. In February 2025, Mr B complained saying that he was irresponsibly provided with an overdraft which he was then allowed to continue using in a way that was unsustainable and which caused him continued financial difficulty.Irresponsible lending

Mr B has complained about the overdraft charges The Royal Bank of Scotland Plc (“RBS”) applied to his account.Charges and fees

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5692102.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.