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-3028859
14 Sep 2021 Lloyds Bank PLC Not upheldInsuranceDRN-3028859 complaint This complaint is about a payment protection insurance (PPI) policy taken out with a joint Mastercard and Visa credit card account. We now know the original sale was in 1995. Mr M says Lloyds Bank PLC, trading as TSB, mis-sold him the PPI. To keep things simple, I’ll ... (5 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 DRN2598411
1 May 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs G complains, through her representative, that Lloyds Bank PLC (“Lloyds”) mis-sold her a regular premium payment protection insurance (“PPI”) policy when she took out a credit card in 2005.backgroundAs Lloyds did not uphold Mrs G’s complaint, she referred it to this service. Our ad... (4 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 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 -
Decision Reference DRN4199943
23 Dec 2013 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr L complains that he was mis-sold a monthly premium payment protection insurance (“PPI”) policy by Lloyds Bank PLC (“Lloyds”), which was taken out in connection with a credit card.backgroundThe adjudicator, who considered this case, issued an opinion not to uphold Mr L’s complaint. M... (4 pages)View decision -
Decision Reference DRN4794781
12 May 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs L complains, through her representative, that Lloyds Bank PLC (“Lloyds”) mis-sold her a regular premium payment protection insurance (“PPI”) policy when she took out a personal loan in 2009.backgroundAs Lloyds did not uphold Mrs L’s complaint, she referred it to this service. Our ... (4 pages)View decision -
Decision Reference DRN9295801
13 Apr 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr O complains that Lloyds Bank Plc (‘Lloyds’ trading at the time of sale as TSB) mis-sold him a mortgage payment protection insurance (“MPPI”) policy.backgroundMr O bought a regular premium MPPI policy in November 1994 alongside a mortgage in a meeting in one of Lloy... (2 pages)View decision -
Decision Reference DRN-1576839
4 May 2020 Lloyds Bank PLC Not upheldInsuranceDRN-1576839 The complaintMrs B and Mr 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. backgroundMrs B and Mr B bought a MPPI policy which started in January 1998 to protect their mortgage r... (2 pages)View decision -
Decision Reference DRN5127698
18 Dec 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs S say Lloyds Bank PLC (“Lloyds”), trading as TSB, mis-sold them a mortgage payment protection insurance (“PPI”) policy. backgroundMr and Mrs S took out a PPI policy in 1994 when they applied for a mortgage. The policy covered Mr S only. This could’ve cove... (3 pages)View decision