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 DRN6571107
19 Jan 2016 Liverpool Victoria Insurance Company Limited UpheldInsurance (excluding PPI)Mr M complains about the way Liverpool Victoria Insurance Company Limited (“LV”) handled his home insurance claim.backgroundMr M made a claim on his home insurance policy. There had been a leak in an underfloor pipe. This caused damage to his kitchen. LV arranged for ... (2 pages)View decision -
Decision Reference DRN0185877
19 Jan 2016 National Westminster Bank Plc Not upheldBanking and creditMs H has complained that National Westminster Bank Plc (‘Natwest’) didn’t help her when she fell into financial difficulties. backgroundNatwest closed Ms H’s accounts after she fell into debt. Ms H complained that it didn’t help her when she lost her job and fell into finan... (2 pages)View decision -
Decision Reference DRN5555465
19 Jan 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B is complaining that Lloyds Bank PLC mis-sold him a payment protection insurance (PPI) policy. He’s unhappy with the amount that it’s offering him in compensation.background Mr B was sold PPI with a loan he took out with Lloyds in 2007. The PPI was a ‘single pr... (2 pages)View decision -
Decision Reference DRN2069504
19 Jan 2016 Gain Capital - Forex.Com UK Limited Not upheldInvestment and pensionsMr M complains that in December 2014, Gain Capital - Forex.Com UK Limited closed some of his open positions. He also complains that Forex.com refused to transfer $1,000 to his bank account.backgroundIn December 2014, Mr M had an existing account with Forex.com. He’d bee... (2 pages)View decision -
Decision Reference DRN7689917
19 Jan 2016 Santander Consumer (UK) Plc Not upheldBanking and creditMr R complains about a second hand van supplied to him under a conditional saleagreement with Santander Consumer (UK) plc, trading as Santander Consumer Finance,("SCF"). The complaint is brought to this service on Mr R’s behalf by a family member, butfor e... (5 pages)View decision -
Decision Reference DRN2991038
19 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr S has complained that Bank of Scotland plc trading as Halifax (“Bank of Scotland”) mis- sold him a mortgage payment protection insurance (“MPPI”) policy in 1995. backgroundOne of our adjudicators looked at this complaint and thought that it shouldn’t be upheld. Mr ... (2 pages)View decision -
Decision Reference DRN9072463
19 Jan 2016 AIB Group (UK) Plc Not upheldPayment protection insurance (PPI)Mrs B complains that AIB Group (UK) Plc (AIB) mis-sold payment protection insurance (PPI) to her, with a loan.backgroundI attach my provisional decision of 15 December 2015, which forms part of this final decision.In that provisional decision, I set out the background ... (4 pages)View decision -
Decision Reference DRN3714148
19 Jan 2016 Amtrust Europe Limited Not upheldInsurance (excluding PPI)Mr L complains that Amtrust Europe Limited mishandled his claim on a travel insurance policy.backgroundAmtrust was the underwriter of Mr L’s policy. He and his family went on a skiing holiday. But - because of bad weather and road closures - they missed their fligh... (2 pages)View decision -
Decision Reference DRN5420115
19 Jan 2016 Pinnacle Insurance Plc Not upheldPayment protection insurance (PPI)Mr G complains that Pinnacle Insurance Plc hasn’t paid a claim he made on his payment protection insurance (PPI).backgroundMr G’s policy started in 2008 and was to cover his mortgage.Mr G was a freelance worker and didn’t have enough work to support himself. And so, i... (5 pages)View decision -
Decision Reference DRN7580169
19 Jan 2016 Santander Consumer (UK) Plc UpheldBanking and creditMiss G complains that the car she financed through a fixed sum loan agreement with Santander Consumer (UK) plc, trading as Mazda Financial Services, (“MFS”), is not of satisfactory quality.background In April 2015, Miss G bought a used car using finance provided by a... (3 pages)View decision
