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 DRN5115939
19 Jan 2016 Metlife Europe Services Limited Not upheldInsurance (excluding PPI)Ms N complains that Metlife Europe Services Limited unfairly declined a claim under her accident protection insurance.backgroundOn Saturday 19 July 2014, Ms N met with a representative of Metlife and signed an application form for accident protection insurance. The appl... (2 pages)View decision -
Decision Reference DRN4972097
19 Jan 2016 Clydesdale Financial Services Limited Not upheldBanking and creditMrs Y has complained that Clydesdale Financial Services Limited is charging her excessive interest.backgroundMrs Y bought a kitchen from a third party, using ‘buy now pay later’ finance from Clydesdale. She’s explained she thought the first 12 months would be interest ... (1 page)View decision -
Decision Reference DRN2404391
19 Jan 2016 Legal & General Insurance Limited Not upheldInsurance (excluding PPI)Mr F complains that Legal & General Insurance Limited (“L&G”) cancelled his policy from its start and refused his claim.backgroundIn 2014, Mr F bought a home insurance policy on-line through a comparison website. During his application he was asked the followin... (2 pages)View decision -
Decision Reference DRN5053893
19 Jan 2016 Acromas Insurance Company Limited UpheldInsurance (excluding PPI)Mr P complains that his claim for loss following a burglary under his home insurance was declined and his policy voided (treated as if it had never existed) by Acromas Insurance Company Limited. backgroundIn 2013 Mr P took out a home policy with Acromas. The policy ... (2 pages)View decision -
Decision Reference DRN4945377
19 Jan 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Ms M says The Royal Bank of Scotland plc (RBS) mis-sold her a regular premium payment protection insurance (PPI) policy when she took out her credit card in 2001. backgroundIn 2001, Ms M took out a credit card by post. When she phoned RBS to activate the credit car... (2 pages)View decision -
Decision Reference DRN3672292
19 Jan 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs N say that they were mis-sold a regular premium mortgage payment protection insurance (MPPI) policy by Lloyds Bank PLC (Lloyds).backgroundMr and Mrs N jointly took out a mortgage with Lloyds in 1992. At the same time they were sold a regular premium MPPI po... (3 pages)View decision -
Decision Reference DRN3417593
19 Jan 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr M says The Royal Bank of Scotland plc (RBS) mis-sold him a regular premium payment protection insurance (PPI) policy when he took out his credit card in 2000. backgroundIn 2000, it seems Mr M took out a credit card by post. When he phoned RBS to activate his credi... (2 pages)View decision -
Decision Reference DRN0851884
19 Jan 2016 Clydesdale Financial Services Limited UpheldBanking and creditMiss F complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance has not offered her a fair settlement. She rejects BPF’s offers as she thinks the suggestions she’s put forward are more appropriate. background Our adjudicator said that taking... (2 pages)View decision -
Decision Reference DRN0314688
19 Jan 2016 HSBC Bank plc Not upheldBanking and creditMs F complains that HSBC Bank Plc will not pay her additional compensation.A person who I’ve called “Mr D” represents Ms F in her complaint. To keep things simple I’ve written this decision as if everything done and said by Mr D was done by Ms F.backgroundMs F ... (2 pages)View decision -
Decision Reference DRN3384855
19 Jan 2016 Royal & Sun Alliance Insurance Plc Not upheldInsurance (excluding PPI)Mr H is unhappy with Royal & Sun Alliance Insurance Plc (RSA) over the work and the handling of his water damage claim under a home insurance policy.backgroundMr H made a claim and although RSA dealt with it Mr H felt that it was handled poorly and that some sn... (2 pages)View decision
