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
-
Decision Reference DRN5967395
18 Jan 2016 NRAM plc UpheldBanking and creditMr and Mrs L complain that NRAM plc has wrongly made an adverse entry on their credit files.backgroundFor financial reasons Mr and Mrs L make their monthly mortgage payment to NRAM manually on the last day of the month. On 31 July 2015 they were unable to pay du... (2 pages)View decision -
Decision Reference DRN5332742
18 Jan 2016 Santander UK Plc Not upheldBanking and creditMr S complains about bank charges Santander UK PLC has applied over a number of years. He feels strongly that if Santander had cancelled his agreed overdraft facility when he asked it to, he wouldn’t have incurred charges for going overdrawn.backgroundOur adjudicator was... (2 pages)View decision -
Decision Reference DRN4590636
18 Jan 2016 Hastings Insurance Services Ltd UpheldInsurance (excluding PPI)Mr W complained that Hastings Insurance Services Limited didn’t tell him that an additional policy excess applied to the helmet and leathers insurance under his motorcycle insurance policy. backgroundMr W made a claim following a motorcycle accident. He had two separa... (2 pages)View decision -
Decision Reference DRN2084081
18 Jan 2016 Close Asset Management (UK) Limited Not upheldInvestment and pensionsMr and Mrs N complain that Close Asset Management (UK) Limited did not provide their financial adviser with the information he requested. This delayed the transfer of their investments.backgroundMr and Mrs N’s financial adviser needed to know the total expense ratio (... (2 pages)View decision -
Decision Reference DRN1112926
18 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditMrs H complained that Lloyds Bank PLC mis-sold her packaged bank accounts in November 2005, March 2006 and September 2009. background The background to this complaint was set out in my provisional decision dated December 2015. An extract from this is attached and forms ... (4 pages)View decision -
Decision Reference DRN9274506
18 Jan 2016 S4 Financial Ltd Not upheldInvestment and pensionsMr G complains that S4 Financial Ltd wrongly advised him to invest in shares in a newly incorporated company.backgroundMr G became S4’s customer in 2006. Over the next few years, he met S4 several times, and it made recommendations to him. He acted on those recommenda... (3 pages)View decision -
Decision Reference DRN8528153
18 Jan 2016 Allianz Insurance Plc Not upheldInsurance (excluding PPI)Mrs R complained about Allianz Insurance Plc. She isn’t happy that it turned down a claim under her pet insurance policy.backgroundMrs R took out pet insurance for her dog on 9 February 2013. In May 2015, Mrs R made a claim to investigate hind limb lameness her dog was... (2 pages)View decision -
Decision Reference DRN5383951
18 Jan 2016 Barclays Bank Plc Not upheldBanking and creditMr H complained to Barclays Bank PLC on behalf of the estate of his late mother Mrs H. He had found an old Woolwich passbook in his mother’s name. Barclays, which had taken over Woolwich, said there was no longer any money in the account.backgroundMr H found a W... (2 pages)View decision -
Decision Reference DRN0802988
18 Jan 2016 S4 Financial Ltd Not upheldInvestment and pensionsMr G complains that S4 Financial Ltd wrongly advised him to invest in the Merchant Place Waste to Energy scheme (WTE).backgroundMr G became S4’s customer in 2006. Over the next few years, he met S4 several times, and it made recommendations to him. He acted on those ... (3 pages)View decision -
Decision Reference DRN0829327
18 Jan 2016 TSB Bank plc Not upheldBanking and creditMiss L complains that TSB Bank plc prevented her from being able to use her debit card to withdraw cash abroad, meaning she incurred charges for making purchases with it.background Miss L went on holiday between November 2014 and January 2015. She says that, whilst... (2 pages)View decision
