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 DRN0753219
14 Nov 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr M complains that Lloyds Bank plc mis-sold him a payment protection insurance (“PPI”) policy. The complaint is brought on his behalf by a claims management company.backgroundThis complaint is about a credit card PPI policy. It’s likely that the policy was added to ... (2 pages)View decision -
Decision Reference DRN9293798
8 Apr 2019 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr F says Lloyds Bank plc mis-sold him a payment protection insurance (PPI) policy. backgroundThis complaint is about a credit card PPI policy. The bank can’t confirm where or when the policy was taken out. It assumes it was in 1998 when the card started, although ... (2 pages)View decision -
Decision Reference DRN7235295
5 Feb 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Lloyds TSB Bank Plc (“Lloyds”) sold a single premium payment protection policy (“PPI”) to Mr and Mrs B in connection with a loan. Mr and Mrs B say that the PPI was mis-sold.backgroundIn 1997 while at a meeting at a branch of Lloyds, Mr and Mrs B were sold PPI. Mr and Mrs B say that ... (4 pages)View decision -
Decision Reference DRN-3151974
21 Dec 2021 Bank of Scotland Plc Not upheldInsuranceDRN-3151974 The rules about complaining to the ombudsman set out when we can – and can’t – look into complaints. In my decision, I’ve explained what this means for Mr N’s complaint. Summary and background to complaint Mr N said Bank of Scotland plc trading as Lloyds TSB (“BoS”) mis-sold hi... (4 pages)View decision -
Decision Reference DRN4305931
31 Oct 2014 Cheltenham & Gloucester plc Not upheldPayment protection insurance (PPI)Mr M complains that Cheltenham & Gloucester plc (“C&G”) plc mis-sold him a payment protection insurance (“PPI”) policy. The complaint is brought on his behalf by a claims management company.backgroundThis complaint is about a mortgage PPI policy taken out in 1998. The policy was... (2 pages)View decision -
Decision Reference DRN5714166
27 Nov 2017 Cheltenham & Gloucester plc Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. My colleague, Ombudsman Graham Booth, issued a Provisional Decision on 13 July 2017 (“the Provisional Decision”) explaining that he was not minded to uphold the complaint... (33 pages)View decision -
Decision Reference DRN1715709
17 May 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B complains about the amount of a debt that Lloyds TSB Bank plc is pursuing, and its failure to communicate appropriately about the debt.backgroundMr B had a loan, credit card and current account with Lloyds TSB. In 2006 he began to experience financial difficulty, and contacted the ba... (2 pages)View decision -
Decision Reference DRN2586403
19 Jan 2017 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr S says Lloyds Bank PLC (trading as TSB) mis-sold him payment protection insurance (PPI).backgroundMr S took out a TSB credit card in 1994. It’s not clear if PPI was added to his account straightaway or later on. But we do know there was a PPI policy on Mr S’s ac... (2 pages)View decision -
Decision Reference DRN2645697
8 Apr 2014 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr G says Lloyds Bank plc (previously Lloyds TSB Bank plc and trading as TSB) mis-sold him a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 1995. The policy was added to Mr G’s credit card account when he applied for ... (1 page)View decision -
Decision Reference DRN9359871
18 May 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B says Lloyds Bank PLC (then Lloyds TSB) mis-sold him a payment protection insurance (PPI) policy.backgroundI’ve attached my provisional decision from April 2016, which forms part of this final decision.In my provisional decision I set out why I didn’t plan to upho... (3 pages)View decision