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 DRN4951357
30 Jan 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs M complain that Lloyds Bank Plc (“Lloyds” trading at the time of sale as TSB) mis-sold them a mortgage payment protection insurance (“MPPI”) policy.backgroundMr and Mrs M bought a MPPI policy which started in May 1996 to protect their mortgage repayments. The... (2 pages)View decision -
Decision Reference DRN2854792
18 Jan 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs D says Lloyds Bank PLC, trading as Lloyds TSB (“Lloyds”), mis-sold her a mortgage payment protection insurance (MPPI) policy.backgroundMrs D took out an MPPI policy in 1996. Her mortgage had been in place since 1989. She paid a monthly amount for the policy. Our ad... (2 pages)View decision -
Decision Reference DRN9761711
24 Mar 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs D complain that Lloyds Bank plc mis-sold payment protection insurance (PPI) to them.backgroundIn 1995 Mr and Mrs D arranged to take a mortgage from TSB (which merged into Lloyds) and at the same time were sold monthly premium PPI to protect repayments on... (3 pages)View decision -
Decision Reference DRN3757368
9 Jun 2014 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint concerns the sale of a regular premium payment protection insurance (“PPI”) policy taken out in 2002 in connection with a credit card issued by Lloyds Bank PLC trading as Lloyds TSB Bank (“Lloyds”). The sale occurred in a branch office on completion of a form and Mr B co... (3 pages)View decision -
Decision Reference DRN2438496
11 Feb 2019 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs H complain that Lloyds Bank Plc mis-sold them payment protection insurance (PPI) in connection with their mortgage.backgroundIn 1992 Mr and Mrs H took out a mortgage with TSB Homeloans Ltd - which later became part of Lloyds – during a meeting at one o... (3 pages)View decision -
Decision Reference DRN2991060
28 Jul 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr H complains that he was mis-sold a regular premium payment protection insurance (“PPI”) policy by Lloyds Bank PLC (“Lloyds”).backgroundMr H applied for a credit card with Lloyds in October 1998 and the PPI was purchased as part of the same application. The PPI was designed to protec... (3 pages)View decision -
Decision Reference DRN-2698256
31 Mar 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2698256 The complaint Miss M complains Lloyds Bank PLC (trading at the time as TSB Bank plc) mis-sold her a payment protection insurance (PPI) policy. What happened Miss M took out a mortgage with Lloyds in 1994 and bought a PPI policy at around the same time. Miss M says the PPI was a... (3 pages)View decision -
Decision Reference DRN-2374160
9 Mar 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2374160 The complaint Mrs S complains (on behalf of herself and the estate of her late husband Mr S) that Lloyds Bank PLC (when it was trading under a different business name) mis-sold them a payment protection insurance (PPI) policy. What happened Mr and Mrs S took out PPI alongside t... (3 pages)View decision -
Decision Reference DRN7008666
6 Nov 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs B complain that Lloyds Bank Plc (“Lloyds” trading at the time of sale as TSB) mis-sold them a mortgage payment protection insurance (“MPPI”) policy.backgroundMr and Mrs B bought a MPPI policy which started in March 1995 to protect their mortgage repayments. Th... (2 pages)View decision -
Decision Reference DRN5713376
1 Oct 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Jan Ferrari, an Ombudsman with the Financial Ombudsman Service. My colleague, Ombudsman Julian Cridge, issued a provisional decision on 19 February 2018 (“the provisional decision”) explaining that he was not minded to uphold the com... (28 pages)View decision