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 DRN4744336
19 Jan 2016 Kensington Mortgage Company Limited Not upheldBanking and creditMr and Mrs B complain that Kensington Mortgage Company Limited (“KMC”) made it impossible for them to repay their outstanding debt on time. This resulted in them having to pay additional interest and fees.backgroundMr and Mrs B took out a mortgage with KMC in January 200... (2 pages)View decision -
Decision Reference DRN1049455
19 Jan 2016 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr F says HSBC Bank Plc mis-sold him a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 1995. The policy was added to Mr F’s credit card account when he applied for the card.Our adjudicator uph... (2 pages)View decision -
Decision Reference DRN5264864
19 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss G has complained that Bank of Scotland plc trading as Halifax (“Bank of Scotland”) mis-sold her a mortgage payment protection insurance (“MPPI”) policy in 1998 when she applied for a mortgage. backgroundOne of our adjudicators looked at this complaint and thought ... (2 pages)View decision -
Decision Reference DRN3363951
19 Jan 2016 Mortgage Express Not upheldBanking and creditMrs A complains that she is not in arrears on her mortgage with Mortgage Express as it says she is. She says it has treated her badly in asking her to pay it money she doesn’t owe.backgroundMrs A took out an interest-only mortgage in 2006. Since then the original lend... (4 pages)View decision -
Decision Reference DRN6115308
19 Jan 2016 Santander UK Plc UpheldBanking and creditMr R complains that Santander UK Plc didn’t change his address on its systems when he asked it to, nor did it action his request for a change in the date it called on the direct debit payment for his credit card.backgroundMr R said he wrote to Santander in January 20... (2 pages)View decision -
Decision Reference DRN0205845
19 Jan 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Miss O says The Co-operative Bank Plc (“The Co-op”) mis-sold her a payment protection insurance (“PPI”) policy. background This complaint is about a credit card PPI policy taken out in 2006. The policy was added to Miss O’s credit card account when she applied for th... (3 pages)View decision -
Decision Reference DRN8574822
19 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss H complains that Bank of Scotland Plc (trading at the time of sale as Halifax) mis-sold her a mortgage payment protection insurance (“MPPI”) policy.backgroundMiss H bought a regular premium MPPI policy in 2003 to protect her mortgage repayments against accidents, s... (2 pages)View decision -
Decision Reference DRN0161912
19 Jan 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss C says The Royal Bank of Scotland Plc (RBS) mis-sold her a payment protection insurance (PPI) policy.backgroundThis complaint is about a mortgage PPI policy taken out in December 2002. The policy was taken out in one of the bank’s branches when Miss C was re-mortgagin... (2 pages)View decision -
Decision Reference DRN9949977
19 Jan 2016 Daniel Chandler Limited UpheldBanking and creditMrs C complains that Daniel Chandler Limited didn’t make the payments to her creditors that it agreed to make. She wants it to return the payments it didn’t distribute.Mrs C is represented in this complaint by her relative who I’ll call Mr C. But to keep things sim... (3 pages)View decision -
Decision Reference DRN8671191
19 Jan 2016 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Miss M says Barclays Bank Plc mis-sold her a payment protection insurance (PPI) policy.backgroundMiss M bought a single premium PPI policy in July 2001 at the same time as taking out a loan. The loan and policy were sold during a branch meeting. They both ended in Sep... (2 pages)View decision
