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 DRN9687463
18 Jan 2016 esure Insurance Limited UpheldInsurance (excluding PPI)Mr S is unhappy that esure Insurance Limited has declined to pay for his failed soakaway (drainage) system under his home insurance policy.backgroundMr S appointed contractors to find out why the drainage had failed. The contractors suspected the damage had been caused by... (2 pages)View decision -
Decision Reference DRN2298857
18 Jan 2016 National Westminster Bank Plc Not upheldBanking and creditMr S has complained that National Westminster Bank Plc (NatWest) mis-sold him a packaged bank account.backgroundMr S took out a free account with NatWest in 1992. This account was upgraded in 1999 to an Advantage Gold packaged account. Mr S paid a fee for this account... (2 pages)View decision -
Decision Reference DRN9470759
18 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMs C complains that as The Royal Bank of Scotland Plc (RBS) didn’t send her monthly credit card statements for some time, she didn’t know about the outstanding balance on her account.backgroundMs C has a RBS credit card. She didn’t receive any statements for a numbe... (2 pages)View decision -
Decision Reference DRN2689849
18 Jan 2016 Casheuronet UK LLC Not upheldBanking and creditMr F says that Casheuronet UK LLC (“Quick Quid”) shouldn’t have lent him money. backgroundThe background to this complaint is set out in my provisional decision. I’ve attached a copy of my provisional decision and it forms part of my final decision. I explained that I ... (3 pages)View decision -
Decision Reference DRN3529157
18 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditThis complaint is about what happened after Mr T topped up a loan he had with The Royal Bank of Scotland plc (“RBS”). Mr T complains he wasn’t aware at the time that the second top up loan he took out had a much higher rate of interest that’s impacted on his overall... (1 page)View decision -
Decision Reference DRN6251955
18 Jan 2016 Sainsbury's Bank Plc UpheldBanking and creditMr A is unhappy with windows and doors he bought for almost £4,000 on his Sainsbury’s Bank Plc credit card.Mr A is represented by his wife, so references to him include submissions made on his behalf.backgroundIn summary, Mr A says that the windows and doors are all... (4 pages)View decision -
Decision Reference DRN9703447
18 Jan 2016 Yorkshire Building Society Not upheldPayment protection insurance (PPI)Mr and Mrs B complain that Yorkshire Building Society (“Yorkshire”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy in 1998.They have told us they thought they had to buy the cover to secure the mortgage and did not know that they had a choice abou... (2 pages)View decision -
Decision Reference DRN3804073
18 Jan 2016 Enterprise Insurance Company plc Not upheldInsurance (excluding PPI)Mr S had a motor trade insurance policy with Enterprise Insurance Company plc. He says it shouldn’t have recorded a claim following an accident against the policy because he’d sold the car in question before then.backgroundMr S says he sold the car on 10 May 2014. Th... (2 pages)View decision -
Decision Reference DRN2900908
18 Jan 2016 Ageas Insurance Limited Not upheldInsurance (excluding PPI)Ms M complains that Ageas Insurance Limited should pay her claim on a motor insurance policy.backgroundMs M reported to her insurer that - six months previously - her vehicle had broken down shortly after she refuelled it. She complained that her insurer wouldn’t ... (2 pages)View decision -
Decision Reference DRN9271245
18 Jan 2016 HSBC Bank plc Not upheldInvestment and pensionsMrs W and Ms W complain HSBC Bank Plc mis-sold a Fixed Term Deposit account (FTD account) because they were not made aware of the risks involved with the account.backgroundHSBC said it only facilitated the FTD account. The account was with HSBC India and any concern... (2 pages)View decision
