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 DRN2597069
21 Jan 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This complaint concerns the sale of two regular premium mortgage payment protection insurance (MPPI) policies sold to Mr and Mrs Y in 1998 and 2007 in connection with a mortgage and subsequently a restructuring of part of that mortgage from interest only to repayment.I understand that bot... (3 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 DRN9366413
30 Jul 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B says Lloyds Bank PLC (‘Lloyds’), who were trading at the time as Cheltenham & Gloucester plc (‘C&G’), mis-sold him a payment protection insurance (“PPI”) policy, once in 2004 and again in 2007.background and summary to complaintMr B bought PPI when he took a mortgage in 2004. ... (12 pages)View decision -
Decision Reference DRN3765922
28 Jun 2013 Lloyds TSB Bank Plc UpheldPayment protection insurance (PPI)This complaint is about a regular premium payment protection insurance policy (‘PPI’) which was sold in conjunction with a credit card by Lloyds TSB Bank Plc. Mr B (who is represented by a claims management company) recalls the sale taking place in 2002 or 2003. He says the policy was m... (4 pages)View decision -
Decision Reference DRN6745588
1 Aug 2013 Lloyds TSB Bank Plc UpheldPayment protection insurance (PPI)Mrs G’s complaint about Lloyds TSB Bank Plc is that two cheques it issued to her, in settlement of claims she had made about mis-sold payment protection insurance (PPI) policies, were cancelled after she had encashed them in a branch of a third party cheque cashing business. The chequ... (2 pages)View decision -
Decision Reference DRN1656915
27 Mar 2019 Lloyds Bank PLC UpheldBanking and creditMr S complains that Lloyds Bank PLC mis-sold him packaged bank accounts.backgroundMr S originally opened a student account at Lloyds in 1996 and he changed to a Classic account in March 2003. These were both fee free bank accounts. Later on in 2003, d uring a meeting ... (5 pages)View decision -
Decision Reference DRN6994454
8 Apr 2014 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mrs W has complained about being mis-sold a regular premium payment protection insurance (“PPI”) policy by Capital One (Europe) plc (“Capital One”) in connection with a credit card in 2002.backgroundMrs W considers that Capital One acted unfairly in selling her the policy because s... (3 pages)View decision -
Decision Reference DRN2620347
31 Jul 2017 Cheltenham & Gloucester plc Not upheldPayment protection insurance (PPI)Mr and Mrs D say Cheltenham & Gloucester plc (“C&G”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy called “Payment Protection Plus Insurance”.backgroundMr and Mrs D took out an MPPI policy with a mortgage, during a meeting in 2010. They p... (2 pages)View decision -
Decision Reference DRN8615961
10 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMrs T complains that Lloyds TSB Bank plc acted irresponsibly in providing credit to her which she was unable to afford.The complaint is brought on Mrs T’s behalf by a claims handling company.backgroundThe claims handling company said that Mrs T had been granted a credit card limit of ... (2 pages)View decision -
Decision Reference DRN4704915
19 May 2014 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)This complaint concerns a regular premium payment protection insurance (PPI) policy taken out in July 1996 in connection with a joint mortgage. Mr and Mrs T complain that they were mis-sold the policy by Bank of Scotland plc (“Bank of Scotland”).backgroundMr and Mrs T applied for a mo... (3 pages)View decision