BBL Complaints and Outcomes

This section of the website looks at all manner of official Bounce Back Loan related complaints and the outcomes of each of them. If you are experiencing a problem with your BBL lender you may find others who have had a similar complaint sorted out, or even binned by the Ombudsman. You will find plenty of them to immerse yourself in below.

BBL Complaints and Outcomes

NatWest Cross Default a Customers Bounce Back Loan and Close Her Business Account After Requesting She Pays Back Her Company’s Small Overdraft (Which She Promptly Did) – Ombudsman Says You Can’t Do That and Orders Them to Restore the BBL – View the Rules on Cross Defaults

January 5, 2026

As you will see in the official BBL rules below, that I have had on the website for quite some time, it clearly states “No Cross Defaults”, that rule was used by Louise Bardell, an Ombudsman, to fairly reach an outcome of this case. […]

BBL Complaints and Outcomes

A Customer of RBS Requests a Pay as You Grow Option on Her Company’s Bounce Back Loan But the Bank Sends Her a Link for Another Bank and the Request Obviously Gets Rejected and Full BBL Repayments are Taken – Ombudsman Doesn’t Uphold the Complaint as the Bank Repaid the Payments Taken

January 5, 2026

Here we are years after the BBL Scheme went live and banks are still making the most basic mistakes when it comes to servicing their customers’ requests, read on for the details of this case. […]

BBL Legal Advice
BBL Complaints and Outcomes

HSBC Ordered to Back Off and Stop Hounding a Customer for Defaulting on His Company’s Bounce Back Loan as It Was Their BBL Application Platform That (Like the Post Office Horizon Platform) Was Riddled with Bugs, Errors and Defects and Stop Claiming What Was on the Application Form Was Irrelevant!

December 9, 2025

Here is another case of HSBC being slapped for their Post Office Horizon type problem with their BBL online application form, I am glad, after reporting on it for many, many years now, people are finally getting justice. […]

BBL Complaints and Outcomes

Clydesdale Bank (Virgin Money) Customer Complains the Bank Lent to Her Irresponsibly by Increasing Her Credit Card Limit and Didn’t Take Into Account Her Sole Trader BBL – Ombudsman Confirms a BBL Doesn’t Show on a Personal Credit File But Does Uphold Her Complaint

November 15, 2025

As you will know, a Bounce Back Loan for Sole Traders doesn’t show on a personal credit file, it shows on a separate credit file which is your trading as T/A name credit file which its fair to say no one usually knows exists and no one usually ever sees. […]