Firm + product analysis

Bank of Scotland Plc in Payment protection insurance (PPI)

A curated public analysis of Bank of Scotland Plc's published Financial Ombudsman decisions in Payment protection insurance (PPI), including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

14,267 published FOS decisions involving Bank of Scotland Plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

14,267

Decision volume in this firm-product slice

Upheld rate

11.3%

1,611 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

14,267

Decision volume in this firm-product slice

Upheld rate

11.3%

1,611 upheld decisions

Latest active year

2021

358 decisions

Leading complaint theme

Affordability Assessment Failure

2,315 tagged decisions

Bank of Scotland Plc in Payment protection insurance (PPI)

Bank of Scotland Plc appears in 14,267 published decisions in Payment protection insurance (PPI) across this corpus. 11.3% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 358 published decisions and an upheld rate of 13.4%.

  • Leading complaint theme: Affordability Assessment Failure
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Payment protection insurance (PPI): medium

How the slice behaves over time

Bank of Scotland Plc has a multi-year published decision trail in Payment protection insurance (PPI), which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Payment protection insurance (PPI) remains a meaningful part of Bank of Scotland Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 358 decisions, 13.4% upheld
  • 2020: 239 decisions, 1.7% upheld
  • 2019: 1,764 decisions, 16.0% upheld
  • 2018: 2,902 decisions, 26.0% upheld
  • 2017: 1,824 decisions, 3.3% upheld

Themes, precedent context, and handling implications

Affordability Assessment Failure is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 5.2% of cases), review disp precedent (appears in 5.1% of cases), review icobs precedent (appears in 4.6% of cases), and others.

  • Second complaint theme: Non-disclosure Or Misrepresentation

Representative cases

Recent published decisions in this slice

5 examples shown

DRN000670810 Sept 2021Not upheld

Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2009. Mr S says Bank of Scotland plc mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr S’s circumstances at the time of the sale as well as ... (4 pages)

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DRN110625110 Sept 2021Upheld

Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2002. Mrs G says Bank of Scotland plc (“BoS”) mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs G’s circumstances at the time of the sal... (5 pages)

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DRN185001710 Sept 2021Not upheld

Bank of Scotland Plc · Payment protection insurance (PPI)

Complaint This complaint is about a credit card payment protection insurance (“PPI”) policy taken out in 1999. Mrs W says Bank of Scotland Plc, trading as Halifax (“Halifax”) mis-sold her PPI. Background The background and circumstances leading up to this complaint, which includes Mrs W’s ... (5 pages)

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DRN226467310 Sept 2021Upheld

Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (“PPI”) policy taken out in September 2003. Miss H says Bank of Scotland Plc mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Miss H’s circumstances at the time of t... (4 pages)

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DRN227862210 Sept 2021Not upheld

Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 1998. Mr and Mrs G say Bank of Scotland plc (trading as Halifax) mis-sold them PPI. Background The background and circumstances leading up to this complaint, which includes Mr and Mrs G’s circumstance... (3 pages)

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