Published decisions
2,441
Decision volume in this firm-product slice
Firm + product analysis
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 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%.
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.
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 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)
View source decisionThis 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)
View source decisionThis 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)
View source decisionThis 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)
View source decisionThis 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)
View source decision