We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 2168 results
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Decision Reference DRN-5318634
10 Feb 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5318634 The complaint Mrs L complains, through a representative, that in 2011, Options UK Personal Pensions LLP (‘Options’, trading as Carey Pensions UK LLP at the relevant time) didn’t carry out adequate due diligence on her introducer and selected investment when it accepted her s... (50 pages)View decision -
Decision Reference DRN0541348
9 Aug 2018 Santander UK Plc Not upheldPayment protection insurance (PPI)summary1.This dispu te is about the sale in 2002 of a payment protection insurance (PPI) policy to support a Santander UK Plc (trading as Alliance & Leicester) mortgage.2.Mr and Mrs M complain that Santander included the policy as part of a package with their mor... (28 pages)View decision -
Decision Reference DRN9653844
19 Jun 2019 Allianz Insurance Plc Not upheldPayment protection insurance (PPI)summary1.This dispute is about the sale in 1997 of a payment protection insurance (PPI) policy to support a charge card (with the number ending 9676) sold by Marks & Spencer Financial Services Plc, who were acting on behalf of Allianz.2. I cannot consider this compl... (25 pages)View decision -
Decision Reference DRN6962038
13 Dec 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This final decision is issued by me, Carole Clark, an Ombudsman with the Financial Ombudsman Service.My provisional decision from November 2018 explained that I was minded not to uphold Mr C’s complaint, subject to any further evidence and representations submitted by the ... (25 pages)View decision -
Decision Reference DRN9923337
30 Oct 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 4 January 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for r... (30 pages)View decision -
Decision Reference DRN1827732
29 Oct 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 19 February 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for... (27 pages)View decision -
Decision Reference DRN4295653
24 Oct 2018 Yorkshire Building Society Not upheldPayment protection insurance (PPI)summary1.This dispute is about the sale in 2001 of a jo in t payment protection insurance (PPI) policy to support a Yorkshire Building Society (YBS) (trading as Chelsea Building Society) mortgage.2.Mr and Mrs M complain that YBS did not properly explain the policy’s fea... (29 pages)View decision -
Decision Reference DRN4441256
13 Dec 2018 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 23 January 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for... (34 pages)View decision
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