Britain’s TSB bank (SABE.MC), opens new tab has been fined 10.9 million pounds ($14.25 million) for failing to ensure customers in arrears were treated fairly, the markets watchdog said on Thursday.

The bank, which has paid 99.9 million pounds in redress to 232,849 mortgage, overdraft, credit card and loan customers affected, also lacked suitable systems and controls to secure fair outcomes, the Financial Conduct Authority said.

The regulator ordered an independent review in 2020 into how the bank treated customers who fell into arrears, finding it risked agreeing unaffordable payment arrangements or charging inappropriate fees.

“TSB’s woeful systems and controls exposed its customers to risk of harm and meant it missed opportunity after opportunity to do the right thing,” said the FCA’s co-head of enforcement and market oversight, Therese Chambers.