Published decisions
14,267
Decision volume in this firm-product slice
Firm + product analysis
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 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%.
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.
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.
Representative cases
5 examples shown
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)
View source decisionThis 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)
View source decisionComplaint 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)
View source decisionThis 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)
View source decisionThis 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)
View source decision