BBL Complaints and Outcomes Archives

Ombudsman States, “the Use of Various Terms, Seemingly Interchangeably – “Carrying on Business”, “Commercial Activity”, “Trading Activity” and “Trading” – Complicates Matters Further” When Ruling on a BBL Complaint Against NatWest

June 17, 2023

Whilst the complainant in this case did not get what they wanted, the Ombudsman did uphold the award of compensation. It is the reference to the rules on business turnover to get a BBL that caught my eye. With the Ombudsman implying they were very messed up and confusing: […]

Charity Treasurer Complains Bank of Scotland Defaulted the Charity’s BBL For Missing Repayments, He Argues the Bank Took Ages to Answer Their Phones – Ombudsman Implies BBL Lenders are a Grubby Bunch and Despite Being Told to Be Fair to People by the FCA, Defaulting the BBL Was Always an Odd-On Bet

June 8, 2023

Have a read of this complaint, which saw the Charity being awarded a few quid for the phone call problems, but the likelihood of the BBL being put into default by the bank so they could put a claim in for the guarantee was always an odd-on chance and more likely than not to happen. […]

Barclays Offer to Write Off a Bounce Back Loan (The Amount They Didn’t Manage to Snatch Back Out of a Customer’s Account They Reviewed and Decided His Business Wasn’t Ineligible For) the Ombudsman Says They Can Do That and You Are Not Having the BBL Back

June 2, 2023

Here is another rather long, yet interesting outcome to another BBL related complaint. […]

Two Years After Putting in a BBL Application an HSBC Customer Complains the Bank Cancelled His Application and He Missed Out on Getting One, 11 Months Later the Ombudsman Finally Says The Banks Offer of £150 Compensation is Fair

June 1, 2023

Even now, long after the BBL scheme closed for applications, the Ombudsman is still dealing with the aftermath, and its taken 11 months for them to give a decision on the following case. […]

HSBC Customer States He Didn’t Apply for a BBL and Shouldn’t Have to Pay It Back, Ombudsman Says The Log-Ins Came from Your Mobile and These Screenshots of Messages on Your Mobile to a Third Party Prove You Are Trying to Pull the Wool Over Our Eyes

May 25, 2023

It didn’t take the initial case handler and then when it was moved onto him, an Ombudsman to work out what this HSBC customer was up to, as you will see from this BBL related complaint outcome. […]