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 DRN4606167
21 Oct 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr M says Lloyds Bank PLC (“Lloyds”) mis-sold him a payment protection insurance (“PPI”) policy. background and summary to complaint Mr M bought the policy in 1997 at the same time as taking out a credit card. Due to the time that has passed, it’s not clear how Mr M applied for his credit ... (9 pages)View decision -
Decision Reference DRN2864676
26 Aug 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B says Lloyds Bank PLC, trading as TSB, mis-sold him a payment protection insurance (“PPI”) policy. backgroundMr B took out a credit card with Lloyds in 1994. Lloyds says it can’t be sure when Mr B took out the PPI policy attached to his card account, but has assumed that this was when ... (9 pages)View decision -
Decision Reference DRN2947502
30 Oct 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs E say Lloyds Bank PLC, trading as TSB, mis-sold them a payment protection insurance (“PPI”) policy. background and summary to complaint Mr and Mrs E bought the policy in 1996 at the same time as taking out a mortgage. They applied for the mortgage and PPI policy in-branch. The p... (9 pages)View decision -
Decision Reference DRN0673123
25 Feb 2019 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs A says Lloyds Bank PLC (trading at the time as Lloyds TSB) mis-sold her a payment protection insurance (‘PPI’) policy. I’ll refer to the business as ‘Lloyds’ in my decision. background and summary to complaintMrs A bought the policy in 2000 at the same time as... (9 pages)View decision -
Decision Reference DRN5555636
11 May 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr G says Lloyds Bank PLC trading as TSB (“LTSB”) mis-sold him a payment protection insurance (“PPI”) policy.backgroundMr G bought the policy in 2003 at the same time as taking out a loan. The loan included an amount to pay for the policy. Our adjudicator didn’t uphold... (2 pages)View decision -
Decision Reference DRN9936290
13 Aug 2021 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss P has brought this complaint on behalf of herself and the Estate of Mr F. I was sorry to see Mr F died in 2002. Miss P says Lloyds Bank PLC mis-sold her and Mr F a payment protection insurance (“PPI”) policy. It hasn’t always been clear which business sold this cover. I can see that a... (9 pages)View decision -
Decision Reference DRN2500734
4 Nov 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs W says Lloyds Bank Plc mis-sold her a payment protection insurance (“PPI”) policy. background and summary to complaint Mrs W took out her credit card in 1998.Due to the time that has passed, it’s not clear how Mrs W applied for her PPI policy. But Lloyds has looked at this sale as if i... (9 pages)View decision -
Decision Reference DRN5547803
29 Dec 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs L say Lloyds Bank PLC, TSB at the time, mis-sold them a payment protection insurance (“PPI”) policy. background and summary to complaint Mr and Mrs L bought the policy in 1996 at the same time as taking out a mortgage. They applied for the mortgage and PPI policy in branch. The ... (9 pages)View decision -
Decision Reference DRN9788150
21 Jan 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs N complains that she was mis-sold a monthly premium payment protection insurance (“PPI”) policy in connection with the credit card she took out in 1997. The credit card was sold by TSB Bank PLC which later became what is now Lloyds Bank PLC.backgroundOur adjudicator did not consid... (2 pages)View decision -
Decision Reference DRN8661116
11 Dec 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Carole Clark, an Ombudsman with the Financial Ombudsman Service.My provisional decision from October 2018 explained that I was minded not to uphold Mrs E’s complaint, subject to any further evidence and representations submitted by the ... (28 pages)View decision