Firm + product analysis

Lloyds Bank PLC in Payment protection insurance (PPI)

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

Page summary

8,119 published FOS decisions involving Lloyds Bank PLC in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

8,119

Decision volume in this firm-product slice

Upheld rate

23.5%

1,908 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

8,119

Decision volume in this firm-product slice

Upheld rate

23.5%

1,908 upheld decisions

Latest active year

2021

309 decisions

Leading complaint theme

Affordability Assessment Failure

1,085 tagged decisions

Lloyds Bank PLC in Payment protection insurance (PPI)

Lloyds Bank PLC appears in 8,119 published decisions in Payment protection insurance (PPI) across this corpus. 23.5% 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 309 published decisions and an upheld rate of 13.9%.

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

How the slice behaves over time

Lloyds Bank 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 Lloyds Bank 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: 309 decisions, 13.9% upheld
  • 2020: 157 decisions, 4.5% upheld
  • 2019: 931 decisions, 8.9% upheld
  • 2018: 2,824 decisions, 43.3% upheld
  • 2017: 1,238 decisions, 5.4% 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

DRN251476810 Sept 2021Upheld

Lloyds Bank PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1992. Mr V says Lloyds Bank PLC mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr V’s circumstances at the time of the sale as well as th... (5 pages)

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DRN606367210 Sept 2021Upheld

Lloyds Bank PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2001. Mr P says Lloyds Bank PLC mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr P’s circumstances at the time of the sale as well as th... (5 pages)

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DRN814475810 Sept 2021Upheld

Lloyds Bank PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1996. Mr H says Lloyds Bank PLC, trading at the time as Lloyds TSB, mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr H’s circumstances a... (5 pages)

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DRN851347910 Sept 2021Upheld

Lloyds Bank PLC · Payment protection insurance (PPI)

This complaint is about a regular premium payment protection insurance (PPI) policy taken out in 2009 alongside a loan. Mrs C says Lloyds Bank PLC mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs C’s circumstances at the time of... (5 pages)

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DRN966934910 Sept 2021Upheld

Lloyds Bank PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1994. Mr K says Lloyds Bank PLC mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr K’s circumstances at the time of the sale as well as th... (5 pages)

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