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 4310 results
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Decision Reference DRN8281458
16 May 2018 NatWest Markets Plc UpheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (‘PPI’) policy taken out in 1999. Mr W says The Royal Bank of Scotland Plc (‘RBS’) mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and ... (2 pages)View decision -
Decision Reference DRN-4899231
28 Aug 2024 Domestic & General Insurance Plc Not upheldInsuranceDRN-4899231 The complaint Ms O complains that she was mis-sold household warranty policies by Domestic & General Insurance Plc (D&G). What happened Ms O moved into a new home in 2021 and contacted D&G to register the warranties on several new appliances. She says its agent a... (2 pages)View decision -
Decision Reference DRN-5066427
28 Nov 2024 Standard Life Savings Limited UpheldPensions and AnnuitiesDRN-5066427 The complaint Mrs L complained Standard Life Savings Limited trading as abrdn (abrdn) caused her a financial loss by delaying the transfer of her pension benefits to a new provider. She would like to be compensated for this loss. Mrs L is being assisted in bringing her com... (4 pages)View decision -
Decision Reference DRN-3456122
29 Apr 2022 Bank of Scotland Plc UpheldMortgagesDRN-3456122 The complaint Mr B and Ms M complain about the refusal by Bank of Scotland plc trading as Halifax to approve their application to remortgage in their names a property that was in the legal ownership of Ms M and her former husband, Mr M. What happened Ms M and her ex-husband div... (8 pages)View decision -
Decision Reference DRN1097221
1 Nov 2019 Liverpool Victoria Insurance Company Limited Not upheldInsurance (excluding PPI)Mr M complains that Liverpool Victoria Insurance Company Limited has recorded a claim on his motor insurance record.backgroundA claim was made against Mr M for an accident in which a car was damaged. LV dealt with third party’s claim and settled it on the basis that it couldn’t defend it w... (2 pages)View decision -
Decision Reference DRN3785163
23 Sep 2015 Capital One (Europe) plc UpheldBanking and creditMiss R complains that Capital One (Europe) plc recorded a default on her credit card account even though she had agreed a repayment arrangement.backgroundIn December 2013, with the help of a charity, Miss R set up a debt management plan (DMP) which covered her credit ... (2 pages)View decision -
Decision Reference DRN-4528158
5 Jun 2024 FCE Bank Plc UpheldConsumer CreditDRN-4528158 The complaint Miss M complains about the compensation offered by FCE Bank Plc trading as Ford Credit Europe (FCE) after they agreed to the rejection of her vehicle. What happened In August 2022 Miss M acquired a new car through a hire purchase agreement financed by FCE. Miss M ... (2 pages)View decision -
Decision Reference DRN8606509
15 Jan 2018 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)This complaint is about a regular premium payment protection insurance (PPI) policy taken out in 2006. Mr D says The Royal Bank of Scotland Plc (RBS) mis-sold him the PPI. backgroundMr D applied for a ‘Mint’ credit card with RBS in April 2006 by post. At the same ... (2 pages)View decision -
Decision Reference DRN-1762568
25 Sep 2020 PSA Finance UK Limited UpheldConsumer CreditDRN-1762568The complaintMr M’s complaint is about the car he acquired through a conditional sale agreement with PSA Finance UK Limited. He says a fault occurred within the first two weeks that is ongoing. He wants the fault repaired and to be refunded the cost of a failed repair. The detai... (2 pages)View decision -
Decision Reference DRN-3615367
16 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3615367 The complaint Mrs N complains that Barclays Bank UK PLC trading as Barclaycard unfairly registered a default on her credit file. What happened Mrs N says she didn’t remember to make a payment to Barclaycard for her credit card account due to work commitments and due to living a... (2 pages)View decision
