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 DRN8890932
28 Dec 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss E and Mr B complain that Lloyds Bank PLC (then trading as Lloyds TSB) mis-sold them a payment protection insurance (PPI) policy.backgroundMiss E and Mr B took out PPI to protect the monthly repayments on their joint mortgage. The earliest record Lloyds has for th... (4 pages)View decision -
Decision Reference DRN8832834
9 Aug 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs J say Lloyds Bank PLC, trading as TSB (‘Lloyds’) mis-sold them a mortgage payment protection insurance (‘MPPI’) policy called ‘MortgageSure’.backgroundMr and Mrs J took out an MPPI policy with a mortgage during a meeting at a branch in 1994. They paid a month... (2 pages)View decision -
Decision Reference DRN8489216
12 Jan 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs F have complained about being mis-sold regular premium payment protection insurance (PPI) policies by Lloyds Bank PLC (“Lloyds”) alongside mortgage borrowing in 2001 and 2007.backgroundThe background to the complaint was set out in my provisional decision dated December 2014, ... (5 pages)View decision -
Decision Reference DRN4480938
8 May 2015 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is about a single premium PPI policy taken out with a business loan inFebruary 2008.At the time the policy was taken out, Mrs F was the director of B, a limited company. She took out a business loan in order to buy stock for the company and make ... (4 pages)View decision -
Decision Reference DRN7057889
16 Apr 2013 Scottish Widows plc Not upheldPayment protection insurance (PPI)Mrs H is unhappy that Scottish Widows (through its claims administrator Lloyds TSB Insurance) has declined claims for the payment of critical illness and accident and sickness benefit made under the terms of a payment protection insurance (PPI) policy.backgroundMrs H took out the PPI po... (2 pages)View decision -
Decision Reference DRN9893059
12 Dec 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 12 January 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for... (30 pages)View decision -
Decision Reference DRN4274709
17 Mar 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss B says Lloyds Bank PLC mis-sold her two mortgage payment protection insurance (MPPI) policies.backgroundMiss B took out two mortgages with Lloyds. The first was in 1997 and the second in 1999. Miss B also took out a further advance on her first mortgage. Lloyds sai... (2 pages)View decision -
Decision Reference DRN-2266837
6 Apr 2021 Lloyds Bank PLC Not upheldInsuranceDRN-2266837 The complaint Mrs D and Mr D complains that Lloyds Bank Plc (‘Lloyds’ trading at the time of sale as TSB) mis-sold them a mortgage payment protection insurance (“MPPI”) policy. What happened Mrs D and Mr D bought a regular premium MPPI policy in 1996 alongside a mortgage in a m... (3 pages)View decision -
Decision Reference DRN5449285
8 Apr 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs O say Lloyds Bank PLC trading as ‘Lloyds TSB’ (“Lloyds”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy.backgroundThis complaint is about a monthly premium MPPI policy taken out with a mortgage in 1994. In 1998 Mr and Mrs O took out a ... (2 pages)View decision -
Decision Reference DRN1193533
5 Aug 2021 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss H says Lloyds Bank PLC mis-sold her a payment protection insurance (“PPI”) policy. background and summary to complaint Miss H bought the policy in 1995 at the same time as taking out a credit card. Miss H says she applied for the PPI by post, whilst Lloyds say it was arranged during a... (9 pages)View decision