Published decisions
3,550
Decision volume in this year-product slice
Year + product analysis
Payment protection insurance (PPI) complaints in 2013
A curated public analysis of Payment protection insurance (PPI) in 2013, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
3,550 published FOS decisions in Payment protection insurance (PPI) during 2013, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
3,550
Decision volume in this year-product slice
Upheld rate
33.9%
1,204 upheld decisions
Latest published decision 05 Dec 2013
Upheld rate
33.9%
1,204 upheld decisions
Leading firm
Capital One (Europe) plc
558 decisions
Leading complaint theme
Affordability Assessment Failure
538 tagged decisions
Payment protection insurance (PPI) in 2013
3,550 published decisions in the corpus sit in Payment protection insurance (PPI) for 2013. 33.9% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Capital One (Europe) plc is the most visible firm inside this year-product slice, with 558 published decisions.
- 2013: 3,550 decisions, 33.9% upheld
- Leading complaint theme: Affordability Assessment Failure
- Leading precedent signal: Disp
Firm concentration and issue profile
Capital One (Europe) plc, HSBC Bank plc, Nationwide Building Society, and others are the firms most often associated with Payment protection insurance (PPI) complaints in 2013. This gives a much tighter public view than the standalone year or product pages alone.
affordability assessment failure, communication failure, delay in claim handling, and others are the strongest complaint-theme signals in this year-product combination.
- Capital One (Europe) plc: 558 decisions, 23.5% upheld
- HSBC Bank plc: 338 decisions, 34.0% upheld
- Nationwide Building Society: 241 decisions, 5.8% upheld
- Clydesdale Bank Plc: 216 decisions, 35.2% upheld
- Barclays Bank Plc: 215 decisions, 19.1% upheld
Handling implications and precedent context
The advisory layer for Payment protection insurance (PPI) points to recurring handling implications here, 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.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Affordability Assessment Failure
Representative cases
Recent published decisions in this slice
5 examples shown
DRN004336205 Dec 2013Not upheld
Clydesdale Bank Plc · Payment protection insurance (PPI)
This complaint concerns the sale of a regular premium payment protection insurance (PPI) policy. Mr C complains that he was mis-sold the insurance by Clydesdale Bank Plc (Clydesdale).backgroundMr C purchased the insurance in connection with a credit card in 1997.The adjudicator did not... (3 pages)
View source decisionDRN026984805 Dec 2013Not upheld
Barclays Bank Plc · Payment protection insurance (PPI)
This complaint is about a payment protection insurance (PPI) policy taken out in 2002 in connection with a credit card. Mrs C says that Barclays Bank Plc (“Barclays”) mis-sold the policy because she was not made aware of the optional nature of the policy or thought it was compulsory; the... (4 pages)
View source decisionDRN045303705 Dec 2013Not upheld
Bank of Scotland Plc · Payment protection insurance (PPI)
Mr R, through his representative, complains that Bank of Scotland plc (“Bank of Scotland”) mis-sold him a regular premium payment protection insurance (“PPI”) policy when he took out a Halifax credit card in 2001.backgroundAs Bank of Scotland did not uphold Mr R’s complaint he referred ... (3 pages)
View source decisionDRN072287905 Dec 2013Not upheld
Barclays Bank Plc · Payment protection insurance (PPI)
Mr V complains about the addition of a monthly payment protection insurance (“PPI”) policy being added to his credit card account. He approached Barclays Bank Plc (“Barclays”) in December 2002 to arrange a credit card. It was during this transaction when the PPI was added to his account... (3 pages)
View source decisionDRN154339605 Dec 2013Not upheld
Bradford & Bingley Plc · Payment protection insurance (PPI)
This complaint concerns a regular monthly mortgage premium payment protection insurance (MPPI) policy taken alongside a mortgage with Bradford & Bingley Plc (B&B) in early 1997. Mr A, who is represented by a claims management company believes that the policy was mis-sold to him... (4 pages)
View source decision