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National Westminster Bank Plc in Payment protection insurance (PPI)

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

Published decisions

1,999

Decision volume in this firm-product slice

Upheld rate

33.9%

677 upheld decisions

Page summary

1,999 published FOS decisions involving National Westminster Bank Plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,999

Decision volume in this firm-product slice

Upheld rate

33.9%

677 upheld decisions

Latest published decision 10 Sept 2021

How to use this page

Read the metrics first, then the ranked view.

The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.

Published decisions

1,999

Decision volume in this firm-product slice

Upheld rate

33.9%

677 upheld decisions

Latest active year

2021

31 decisions

Leading complaint theme

Affordability Assessment Failure

148 tagged decisions

National Westminster Bank Plc in Payment protection insurance (PPI)

Analysis

National Westminster Bank Plc appears in 1,999 published decisions in Payment protection insurance (PPI) across this corpus. 33.9% 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 31 published decisions and an upheld rate of 19.4%.

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

How the slice behaves over time

Analysis

National Westminster 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 National Westminster 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: 31 decisions, 19.4% upheld
  • 2020: 27 decisions, 3.7% upheld
  • 2019: 169 decisions, 7.1% upheld
  • 2018: 374 decisions, 49.2% upheld
  • 2017: 103 decisions, 30.1% upheld

Themes, precedent context, and handling implications

Analysis

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

DRN620096110 Sept 2021Not upheld

National Westminster Bank Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 1999. Mr and Mrs S say National Westminster Bank Plc (“NatWest”) mis-sold them PPI. background The background and circumstances leading up to this complaint, which includes Mr and Mrs S’ circumstances... (4 pages)

View source decision
DRN194046808 Sept 2021Upheld

National Westminster Bank Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2004. Mrs G says National Westminster Bank PLC (“NatWest”) mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs G’s circumstances at the ti... (5 pages)

View source decision
DRN935355107 Sept 2021Not upheld

National Westminster Bank Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 1995. Mr S says National Westminster Bank Plc (‘NatWest’) mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr S’s circumstances at the time of... (4 pages)

View source decision
DRN821322531 Aug 2021Not upheld

National Westminster Bank Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (‘PPI’) policy taken out in 1999. Mr R says National Westminster Bank Plc (‘NatWest’) mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr R’s circumstances at the time ... (4 pages)

View source decision
DRN921987218 Aug 2021Upheld

National Westminster Bank Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1996. Mr M says National Westminster Bank Plc (“NatWest”) mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr M’s circumstances at the time... (5 pages)

View source decision