We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 666 results
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Decision Reference DRN-2147138
4 Dec 2020 Lloyds Bank PLC Not upheldInsuranceDRN-2147138 The complaint Mr C says Lloyds Bank PLC mis-sold him a payment protection insurance (PPI) policy. What happened Mr C took out a mortgage with Lloyds (trading at the time as TSB) in 1991. Around the same time, he took out a PPI policy to protect his monthly mortgage payments. Mr... (3 pages)View decision -
Decision Reference DRN1752608
9 Oct 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr N says Lloyds Bank PLC – then trading as TSB - mis-sold him a payment protection insurance (“PPI”) policy. backgroundMr N bought the policy at the same time as taking out a credit card in 1999. Our adjudicator didn’t think we should uphold the complaint. Mr N disa... (3 pages)View decision -
Decision Reference DRN4972071
15 Aug 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr T says Lloyds Bank Plc, trading as TSB (“Lloyds”) mis-sold him a payment protection insurance (“PPI”) policy.backgroundIt’s not clear how or when Mr T bought the policy, but it was added to a credit card he took out in 1996. The policy cost no more than 79p per... (3 pages)View decision -
Decision Reference DRN2849044
23 Jan 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B’s complaint is that he was mis-sold a payment protection insurance (“PPI”) policy by Lloyds Bank PLC, at the time trading as Lloyds TSB. backgroundMr B applied for a credit card in 1998, and bought a regular premium PPI policy at the same time. I can’t say exactly how much this poli... (3 pages)View decision -
Decision Reference DRN9672055
19 Mar 2019 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs C complains that Lloyds Bank PLC (when it was trading as Lloyds TSB) mis-sold her payment protection insurance (PPI).backgroundIn 2010 Mrs C applied to Lloyds for a loan. She also took out PPI to protect the loan repayments.Our adjudicator didn’t uphold the compla... (2 pages)View decision -
Decision Reference DRN0227576
3 Jan 2019 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out in 1996 alongside a mortgage. Mr O says Lloyds Bank PLC, Lloyds TSB Scotland at the time, mis- sold him the PPI. my findingsI’ve considered all the available evidence and arguments to decide ... (3 pages)View decision -
Decision Reference DRN7018203
30 Jan 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs B says Lloyds Bank Plc (trading as TSB) mis-sold her payment protection insurance (“PPI”) policiesbackgroundI issued my provisional decision in November 2017. I explained why I wasn’t planning to uphold Mrs B’s complaint. An extract of that provisional decision is ... (3 pages)View decision -
Decision Reference DRN-2829042
13 Jul 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2829042 The complaint Mr and Mrs C say Lloyds Bank PLC (trading as TSB) mis-sold them payment protection insurance (PPI). What happened In 1994 Mr and Mrs C bought a PPI policy to protect their mortgage repayments. The sale most likely took place in a branch at the same time as they ap... (3 pages)View decision -
Decision Reference DRN-2797906
10 May 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2797906 The complaint Mrs G complains that Lloyds Bank PLC (‘Lloyds’) mis-sold payment protection insurance (‘PPI’) to her alongside a credit card in 1996. At the time, Lloyds was trading as TSB. To keep things simple, I’ll refer to Lloyds for the rest of this decision. What happened T... (3 pages)View decision -
Decision Reference DRN5149603
9 Aug 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs M says Lloyds Bank PLC, trading as TSB, mis-sold her a payment protection insurance (PPI) policy.backgroundIn December 1996, Mrs M took out a credit card with Lloyds. She was also sold a PPI policy to protect the repayments on her card. Our adjudicator didn’t... (2 pages)View decision