Firm + product analysis

Nationwide Building Society in Payment protection insurance (PPI)

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

Page summary

5,679 published FOS decisions involving Nationwide Building Society in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

5,679

Decision volume in this firm-product slice

Upheld rate

23.1%

1,314 upheld decisions

Latest published decision 25 Aug 2021

Published decisions

5,679

Decision volume in this firm-product slice

Upheld rate

23.1%

1,314 upheld decisions

Latest active year

2021

102 decisions

Leading complaint theme

Affordability Assessment Failure

728 tagged decisions

Nationwide Building Society in Payment protection insurance (PPI)

Nationwide Building Society appears in 5,679 published decisions in Payment protection insurance (PPI) across this corpus. 23.1% 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 102 published decisions and an upheld rate of 7.8%.

  • 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

Nationwide Building Society 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 Nationwide Building Society's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 102 decisions, 7.8% upheld
  • 2020: 52 decisions, 9.6% upheld
  • 2019: 554 decisions, 25.6% upheld
  • 2018: 762 decisions, 40.7% upheld
  • 2017: 395 decisions, 11.9% 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: Communication Failure

Representative cases

Recent published decisions in this slice

5 examples shown

DRN958634325 Aug 2021Not upheld

Nationwide Building Society · Payment protection insurance (PPI)

This complaint is about two single premium payment protection insurance (PPI) policy taken out in November 1999 and November 2000 to go with personal loans. Mr T says Nationwide Building Society mis-sold him both of the policies. background The background and circumstances leading up to th... (2 pages)

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DRN960491125 Aug 2021Not upheld

Nationwide Building Society · Payment protection insurance (PPI)

This complaint is about a two single premium and one monthly premium payment protection insurance (“PPI”) policies, all taken out in 1998 with personal loans. Each of the policies covered Mr T but not Mrs T. The two single premium policies were taken out in March and May that year with the... (3 pages)

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DRN681522523 Aug 2021Not upheld

Nationwide Building Society · Payment protection insurance (PPI)

Mr and Mrs R, who are represented by a third party, say Nationwide Building Society (“Nationwide”) mis-sold them a payment protection insurance (“PPI”) policy in February 2001 to go with a mortgage they’d taken out in June 1999. They took the policy out at the same time as they were arrang... (2 pages)

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DRN939307123 Aug 2021Not upheld

Nationwide Building Society · Payment protection insurance (PPI)

This complaint is about a four payment protection insurance (PPI) policies taken out in 1997, 1998, 1999 and 2000. All the policies were taken out alongside loans. Mr W says Nationwide Building Society mis-sold him the PPI. background The background and circumstances leading up to this com... (3 pages)

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DRN361199620 Aug 2021Not upheld

Nationwide Building Society · Payment protection insurance (PPI)

This complaint is about two single premium payment protection insurance (PPI) policies taken out in March 2000 and July 2002 alongside two loans. Mrs E says Nationwide Building Society mis-sold her PPI. background The background and circumstances leading up to this complaint, which include... (3 pages)

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