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 375868 results
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Decision Reference DRN9109911
19 Jan 2016 Nationwide Building Society Not upheldPayment protection insurance (PPI)Mr C has complained that Nationwide Building Society (“Nationwide”) mis-sold him a mortgage payment protection insurance (“MPPI”) policy in 2005. backgroundOne of our adjudicators looked at this complaint and thought that it shouldn’t be upheld. Mr C disagreed with the ad... (2 pages)View decision -
Decision Reference DRN0128279
19 Jan 2016 Admiral Insurance Company Limited Not upheldInsurance (excluding PPI)Mr A complains that Admiral Insurance Company Limited charged him an additional premium for his motor insurance policy. It says this was because he didn’t tell it about having points on his licence. He wants it to waive the charge. backgroundMr A bought a policy onl... (2 pages)View decision -
Decision Reference DRN6573740
19 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMrs M complains that Royal Bank of Scotland plc (RBS) wrongly put defaults on her credit file. She’d like compensation. And an assurance that all defaults over a five year period have been removed.our initial conclusionsOur adjudicator didn’t uphold the complaint. He found ... (2 pages)View decision -
Decision Reference DRN0156926
19 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMr P complains that Vanquis Bank Limited: mis-sold him a Repayment Option Plan (ROP) continued to offer ROP after he told it to stop refused to increase his credit limit included interest on his annual statement that it had agreed to refund didn’t offer him a ... (2 pages)View decision -
Decision Reference DRN6501497
19 Jan 2016 Toyota Financial Services (UK) Plc Not upheldBanking and creditMrs H complains about a second hand car supplied to her under a hire purchase agreement with Toyota Financial Services (UK) PLC, (“TFS”),background Mrs H complains about the quality of a second hand car supplied to her at the end of March 2014 under a hire purchase ... (2 pages)View decision -
Decision Reference DRN5910480
19 Jan 2016 HSBC Bank plc Not upheldBanking and creditMr and Mrs G have complained that HSBC Bank Plc mis-sold two packaged bank accounts to them. They upgraded to a HSBC Plus account in November 2005 and downgraded the account to a fee free account in July 2008. They then upgraded their account to the HSBC Plus (whi... (2 pages)View decision -
Decision Reference DRN2792990
19 Jan 2016 The Co-operative Bank Plc Not upheldBanking and creditMr and Mrs M complain that the Co-operative Bank Plc treated them unfairly when it said it wouldn’t increase the term of their mortgage. The bank said it couldn’t do this due to their age.background Mr and Mrs M have a mortgage which is due to be repaid in 2020. ... (3 pages)View decision -
Decision Reference DRN3321804
19 Jan 2016 Rentokil Insurance Limited UpheldInsurance (excluding PPI)Rentokil Insurance Limited declined Mr and Mrs R’s claim.backgroundMr and Mrs R bought a new home. When they bought the property part of it was infested. They arranged and paid for the repairs that were needed. The previous owner had taken out an insurance policy ... (2 pages)View decision -
Decision Reference DRN1114780
19 Jan 2016 HSBC Bank plc Not upheldBanking and creditMr M complains about a personal loan, credit card and mortgage all of which he holds with HSBC Bank plc (“HSBC”). backgroundMr M says that despite paying his mortgage he received threatening letters from HSBC saying he was in arrears. He says these letters cause distre... (3 pages)View decision -
Decision Reference DRN8571199
19 Jan 2016 RLUM Limited UpheldInvestment and pensionsMrs P complains that RLUM Limited sold her an investment mini Individual Savings Account(ISA) that was unsuitable to her circumstances.backgroundAn adviser from RLUM visited Mrs P and her husband at home in 2004. As a result of that meeting, he recommended that Mrs P s... (3 pages)View decision
