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 DRN1992636
18 Jan 2016 AIB Group (UK) Plc Not upheldPayment protection insurance (PPI)Mr and Mrs R complain that AIB Group (UK) Plc (“AIB”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy in 1998.They have told us they didn’t know they had a choice about buying it and that they didn’t need it.backgroundOur adjudicator has explained ... (2 pages)View decision -
Decision Reference DRN9682852
18 Jan 2016 Santander UK Plc Not upheldBanking and creditA limited company (which I’ll call “S”) complains through its director that Santander UK plc (Santander) took too long to credit a foreign transfer into S’ account. S wants compensation for the delay.backgroundS was receiving payment from a customer based in the Mid... (2 pages)View decision -
Decision Reference DRN6228041
18 Jan 2016 HSBC Bank plc Not upheldBanking and creditMrs A complains that HSBC Bank plc will not refund to her the money that she paid for a bed. Her complaint is made against HSBC under section 75 of the Consumer Credit Act 1974. She is being helped with her complaint by her husband.backgroundMrs A used her HSBC credi... (1 page)View decision -
Decision Reference DRN0179401
18 Jan 2016 Leeds City Credit Union Limited UpheldPayment protection insurance (PPI)Ms L complained that Leeds City Credit Union Limited (“LCU”) mis-sold her payment protection insurance (“PPI”) alongside a loan.backgroundWhen our adjudicator considered the case, she reviewed the sales of PPI that took place alongside a number of loans that Ms L took... (3 pages)View decision -
Decision Reference DRN9725783
18 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited increased the credit limit on his credit card account without his consent. And he’s unhappy about the amount he’s being asked to repay before the account can be closed.backgroundMr N opened a credit card account with Vanquis i... (2 pages)View decision -
Decision Reference DRN2015677
18 Jan 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mrs M complains that HSBC Bank Plc, trading as First Direct, mis-sold her a mortgage payment protection insurance (“MPPI”) policy in 2005.backgroundOur adjudicator explained why he did not think the policy had been mis-sold. Mrs M’s representative did not agree with this,... (2 pages)View decision -
Decision Reference DRN9906671
18 Jan 2016 Clydesdale Financial Services Limited Not upheldBanking and creditMrs W complains that a timeshare she bought with the assistance from Clydesdale Financial Services Limited was misrepresented to her.backgroundIn December 2009 Mrs W took up the offer of a discounted holiday if she attended a presentation about a timeshare arrangement.... (2 pages)View decision -
Decision Reference DRN9960202
18 Jan 2016 The Prudential Assurance Company Limited Not upheldInvestment and pensionsMr and Mrs G complain that a mortgage protection plan was mis-sold to them by The Prudential Assurance Company Limited.backgroundMr and Mrs G took out a repayment mortgage in 2001. They also took out a mortgage protection plan which provided level term life assurance (w... (3 pages)View decision -
Decision Reference DRN8945552
18 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)In 2001 Mr H took out a loan with Bank of Scotland plc trading as Intelligent Finance (Bank of Scotland). Mr H complains that Bank of Scotland mi-sold him monthly premium payment protection insurance (PPI) at the same time.backgroundAt the time of the sale Mr H wa... (2 pages)View decision -
Decision Reference DRN1194321
18 Jan 2016 Nationwide Building Society Not upheldPayment protection insurance (PPI)Mr and Mrs R complain that they were mis-sold a payment protection insurance (“PPI”) policy when they took out a loan with Nationwide Building Society (“Nationwide”).backgroundI set out the full background to this case in my provisional decision which I issued in Decemb... (3 pages)View decision
