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 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 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 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 DRN5844059
5 Aug 2021 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs W says Lloyds Bank PLC (“Lloyds”) mis-sold her a payment protection insurance (“PPI”) policy. background and summary to complaint Mrs W took out her credit card in 1998. Mrs W’s recollection is that she applied for the credit card and PPI over the phone. Because of the time that has pa... (9 pages)View decision -
Decision Reference DRN0070159
6 Sep 2021 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (PPI) policy taken out in November 1998. Mr P says Lloyds Bank PLC (“Lloyds”), then trading as Lloyds TSB, mis-sold him the policy. background The background and circumstances leading up to this complaint, which includes Mr... (5 pages)View decision -
Decision Reference DRN4812511
15 May 2014 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint relates to a regular premium Payment Protection Insurance (PPI) policy sold in conjunction with a credit card in September 1995. Mrs B complains Lloyds Bank PLC (‘Lloyds’) mis-sold the policy.I have attached my provisional decision dated 9 April 2014, which forms part of... (4 pages)View decision -
Decision Reference DRN7334063
14 Aug 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)and backgroundThis complaint relates to the sale of a regular premium Payment Protection Insurance (‘PPI’) policy sold in conjunction with a credit card in October 1996. Mrs B complains Lloyds Bank PLC (‘Lloyds’) mis-sold the policy.I have attached my provisional decision dated May 20... (4 pages)View decision -
Decision Reference DRN6454703
7 Aug 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Martin Purcell, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 31 January 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint, and setting out my reasons f... (30 pages)View decision -
Decision Reference DRN6454041
5 Apr 2019 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 November 1998 to protect their mortgage repayments. ... (2 pages)View decision -
Decision Reference DRN4491677
29 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMs F complains that Lloyds TSB Bank Plc charged a higher interest rate on a second loan she took out to consolidate an existing loan, credit card debt and to pay for laser eye treatment. backgroundMs F applied for a consolidation loan, and the interest rate was about four percentage po... (1 page)View decision