Firm + product analysis

The Royal Bank of Scotland Plc in Payment protection insurance (PPI)

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

Page summary

2,285 published FOS decisions involving The Royal Bank of Scotland Plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,285

Decision volume in this firm-product slice

Upheld rate

37.2%

850 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

2,285

Decision volume in this firm-product slice

Upheld rate

37.2%

850 upheld decisions

Latest active year

2021

32 decisions

Leading complaint theme

Affordability Assessment Failure

164 tagged decisions

The Royal Bank of Scotland Plc in Payment protection insurance (PPI)

The Royal Bank of Scotland Plc appears in 2,285 published decisions in Payment protection insurance (PPI) across this corpus. 37.2% 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 32 published decisions and an upheld rate of 28.1%.

  • 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

The Royal Bank of Scotland 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 The Royal Bank of Scotland 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: 32 decisions, 28.1% upheld
  • 2020: 25 decisions, 8.0% upheld
  • 2019: 195 decisions, 9.2% upheld
  • 2018: 468 decisions, 65.6% upheld
  • 2017: 102 decisions, 25.5% 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: Delay In Claim Handling

Representative cases

Recent published decisions in this slice

5 examples shown

DRN061503410 Sept 2021Upheld

The Royal Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1999. Mr D says The Royal Bank of Scotland plc mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr D’s circumstances at the time of the sal... (5 pages)

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DRN504151110 Sept 2021Upheld

The Royal Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2001. Mr S say(s) The Royal Bank of Scotland Plc mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr S’s circumstances at the time of the s... (5 pages)

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DRN602563410 Sept 2021Upheld

The Royal Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2000. The policy only covered Mr B. Mr and Mrs B say The Royal Bank of Scotland Plc mis- sold them PPI. background The background and circumstances leading up to this complaint, which includes Mr and ... (5 pages)

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DRN348134026 Aug 2021Not upheld

The Royal Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken in 2002. Mr R says The Royal Bank of Scotland Plc (“RBS”) mis-sold him the PPI. background The background and circumstances leading up to this complaint, which includes Mr R’s circumstances at the time of... (5 pages)

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DRN885225125 Aug 2021Not upheld

The Royal Bank of Scotland Plc · Payment protection insurance (PPI)

This complaint is about mortgage payment protection insurance (PPI). Mr D complained that Royal Bank of Scotland Plc (“RBS”) mis-sold this type of cover. background I’ll begin by noting that it doesn’t look like Mr D is entirely sure of the dates and details of the PPI sale or the mortgage... (5 pages)

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