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-2343138
9 Dec 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2343138 Complaint This complaint is about a credit card payment protection insurance (“PPI”) policy taken out in February 2001. Mrs T says Lloyds Bank PLC (“Lloyds”), at the time trading as Lloyds TSB, mis-sold her PPI. Background The background and circumstances leading up to this com... (5 pages)View decision -
Decision Reference DRN7187921
7 Sep 2021 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (“PPI”) policy taken out in February 2000. Mr N says Lloyds Bank PLC (“Lloyds”), trading as Lloyds TSB, mis-sold him the policy. background The background and circumstances leading up to this complaint, which includes Mr N’... (5 pages)View decision -
Decision Reference DRN8144758
10 Sep 2021 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1996. Mr H says Lloyds Bank PLC, trading at the time as Lloyds TSB, mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr H’s circumstances a... (5 pages)View decision -
Decision Reference DRN2703568
22 Mar 2017 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr F is unhappy with the amount of compensation Lloyds Bank PLC trading as TSB (‘Lloyds’) has offered to resolve his PPI mis-sale complaint. backgroundMr F complained to Lloyds about the mis-sale of a single premium PPI policy he had attached to a personal loan he’d ... (4 pages)View decision -
Decision Reference DRN1827732
29 Oct 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 19 February 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for... (27 pages)View decision -
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 DRN4148624
1 Sep 2021 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This complaint is about credit card payment protection insurance (“PPI”) policy taken out in 1997 to go with a credit card account that included two separate cards. Mr D says Lloyds Bank PLC, then trading as Lloyds TSB, mis-sold him PPI. background The background and circumstances leading ... (5 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 DRN2591475
24 Oct 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr R 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 R bought a MPPI policy which started in July 1995 to protect his mortgage repayments. The policy was add... (2 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