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 DRN7780239
18 Jan 2016 Equifax Limited Not upheldBanking and creditMs T complains that Equifax Limited recorded incorrect information on her credit file and this caused her to be refused credit and contacted by debt collection companies. backgroundMs T explains that a third party recorded an incorrect address link with Equifax. Thi... (1 page)View decision -
Decision Reference DRN7326100
18 Jan 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMs T complains that Lowell Portfolio I Ltd didn’t do enough to verify that she was its customer before it asked her to repay a debt she doesn’t owe.backgroundMs T explains that an incorrect link has been created by a third party on her credit file. Lowell relied ... (2 pages)View decision -
Decision Reference DRN0540614
18 Jan 2016 Yorkshire Building Society Not upheldPayment protection insurance (PPI)Mrs M complains that Yorkshire Building Society (“YBS”) mis-sold her a mortgage payment protection insurance (“MPPI”) policy in 1991.She does not remember agreeing to buy it and feels she did not need it.backgroundI explained in my provisional decision of December 201... (3 pages)View decision -
Decision Reference DRN9052438
18 Jan 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr C complains that he was mis-sold payment protection insurance (“PPI”) for his credit card by The Royal Bank of Scotland Plc (“RBS”).backgroundMr C took out a credit card in February 2001. In June 2001 PPI was added to his account. The policy cost around 72p for every... (2 pages)View decision -
Decision Reference DRN2856280
18 Jan 2016 Santander UK Plc UpheldBanking and creditMs K complains (through her representative) that Santander UK Plc wrongly agreed a product transfer with her then husband and she has incurred an early repayment charge (ERC) as a result.backgroundMs K and her then husband (Mr K) had a mortgage with Santander. In 2013, ... (2 pages)View decision -
Decision Reference DRN3338493
18 Jan 2016 Northern Bank Limited Not upheldPayment protection insurance (PPI)Mr and Mrs B complain that Northern Bank Limited (NBL) mis-sold them a payment protection insurance (PPI) policy. They say NBL didn’t make it clear to them that they had a choice about taking out the policy.backgroundI issued my provisional decision in December 2015. I... (4 pages)View decision -
Decision Reference DRN1962982
18 Jan 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mrs M complains that U K Insurance Limited (“UKI”) won’t pay under her buildings and contents insurance policy to repair her roof which was damaged in a storm. background Mrs M said her flat roof was damaged in a storm, and she wanted UKI to pay for repairs.But UKI ... (2 pages)View decision -
Decision Reference DRN9693120
18 Jan 2016 AXA Insurance UK Plc Not upheldInsurance (excluding PPI)Mr and Ms C complained that when Mr C reported an incident under Ms C’s motor insurance policy, AXA Insurance UK Plc wrongly recorded it on the insurance claims and underwriting exchange (CUE). backgroundMr C was a named driver under his wife’s policy. He told AXA tha... (3 pages)View decision -
Decision Reference DRN6138587
18 Jan 2016 Lloyds Bank General Insurance Limited Not upheldInsurance (excluding PPI)Mrs T complains that Lloyds Bank General Insurance Limited (Lloyds) won’t pay all her claim for work needed to repair damage caused by a leak in her bathroom.backgroundBoth parties know what’s happened in this complaint so I’m not going to go into much detail. ... (3 pages)View decision -
Decision Reference DRN4327078
18 Jan 2016 Royal & Sun Alliance Insurance Plc Not upheldInsurance (excluding PPI)Mr T complains that Royal & Sun Alliance Insurance Plc (RSA) won’t pay his claim for damage to his roof and chimney that he thinks was caused by a storm. RSA used an agent to deal with the claim – but I’ll only refer to RSA in this decision.background Both par... (2 pages)View decision
