Firm + product analysis

Santander UK Plc in Payment protection insurance (PPI)

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

Page summary

2,441 published FOS decisions involving Santander UK Plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,441

Decision volume in this firm-product slice

Upheld rate

38.1%

930 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

2,441

Decision volume in this firm-product slice

Upheld rate

38.1%

930 upheld decisions

Latest active year

2021

97 decisions

Leading complaint theme

Affordability Assessment Failure

290 tagged decisions

Santander UK Plc in Payment protection insurance (PPI)

Santander UK Plc appears in 2,441 published decisions in Payment protection insurance (PPI) across this corpus. 38.1% 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 97 published decisions and an upheld rate of 9.3%.

  • 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

Santander UK 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 Santander UK 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: 97 decisions, 9.3% upheld
  • 2020: 47 decisions, 10.6% upheld
  • 2019: 506 decisions, 31.2% upheld
  • 2018: 430 decisions, 34.9% upheld
  • 2017: 343 decisions, 29.2% 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

DRN160426410 Sept 2021Not upheld

Santander UK Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2008. Mr B says Santander UK Plc mis-sold him this PPI. background The background and circumstances leading up to this complaint (which includes Mr B’s circumstances at the time as well as the policy’... (5 pages)

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DRN055620808 Sept 2021Upheld

Santander UK Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2003. Mr and Mrs H say Santander UK Plc mis-sold them PPI. background The background and circumstances leading up to this complaint, which includes Mr and Mrs H’s circumstances at the time of the sale... (5 pages)

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DRN352155708 Sept 2021Not upheld

Santander UK Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2005. Mr and Mrs P say Santander UK Plc mis-sold them PPI. Although it was a joint mortgage, the PPI was set up just to cover Mr P. background The background and circumstances leading up to this compl... (4 pages)

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DRN482095207 Sept 2021Not upheld

Santander UK Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2010. Mrs D says Santander UK Plc mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs D’s circumstances at the time of the sale as well as th... (3 pages)

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DRN644254407 Sept 2021Not upheld

Santander UK Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (‘PPI’) policy – called Balance Cancellation Cover – taken out in 2010. Miss H says Santander UK Plc (‘Santander’) mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes M... (5 pages)

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