Firm + product analysis

Yorkshire Building Society in Payment protection insurance (PPI)

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

Page summary

1,323 published FOS decisions involving Yorkshire Building Society in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,323

Decision volume in this firm-product slice

Upheld rate

34.9%

461 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

1,323

Decision volume in this firm-product slice

Upheld rate

34.9%

461 upheld decisions

Latest active year

2021

43 decisions

Leading complaint theme

Affordability Assessment Failure

177 tagged decisions

Yorkshire Building Society in Payment protection insurance (PPI)

Yorkshire Building Society appears in 1,323 published decisions in Payment protection insurance (PPI) across this corpus. 34.9% 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 43 published decisions and an upheld rate of 16.3%.

  • 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

Yorkshire 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 Yorkshire 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: 43 decisions, 16.3% upheld
  • 2020: 21 decisions, 4.8% upheld
  • 2019: 174 decisions, 46.0% upheld
  • 2018: 116 decisions, 37.1% upheld
  • 2017: 119 decisions, 29.4% 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

DRN446243110 Sept 2021Upheld

Yorkshire Building Society · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2003. Mr and Mrs D say Yorkshire Building Society (YBS) mis-sold them PPI. background The background and circumstances leading up to this complaint, which includes Mr and Mrs D’s circumstances at the ... (4 pages)

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DRN689721402 Sept 2021Not upheld

Yorkshire Building Society · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (‘PPI’) policy taken out in 2002. Mr W and Mrs W say Yorkshire Building Society, trading as Chelsea Building Society (‘YBS’), mis-sold them PPI. background The background and circumstances leading up to this complaint, which i... (5 pages)

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DRN942851226 Aug 2021Not upheld

Yorkshire Building Society · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance ‘(PPI’) policy taken out in 1996. Mr and Mrs S say Yorkshire Building Society (‘YBS’) mis-sold them PPI. background The background and circumstances leading up to this complaint, which includes Mr and Mrs S’s circumstances at ... (5 pages)

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DRN452917425 Aug 2021Not upheld

Yorkshire Building Society · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (“PPI”) policy taken out in January 2000 to go with some additional borrowing. Mr and Mrs C say Yorkshire Building Society (“YBS”) mis-sold them PPI. Only Mr C was covered by the policy, which included cover for accident and s... (2 pages)

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DRN758365225 Aug 2021Upheld

Yorkshire Building Society · Payment protection insurance (PPI)

This complaint is about a mortgage PPI payment protection insurance (PPI) policy taken out in 1993. Mr S says Yorkshire Building Society 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 sale a... (5 pages)

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