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 DRN0223648
18 Jan 2016 Usay Business Limited UpheldInsurance (excluding PPI)Mrs S complains about the sale of her private medical insurance policy by Usay Business Limited. backgroundIn 2012 Mrs S had private medical insurance (with “insurer 1”). She was experiencing abdominal pain and it was thought she had a hernia and divarication of he... (3 pages)View decision -
Decision Reference DRN8929112
18 Jan 2016 Ageas Insurance Limited UpheldInsurance (excluding PPI)Miss B is unhappy with Ageas Insurance Limited’s handling of her claim under a legal expenses insurance policy.All references to Ageas Insurance Limited include references to its claims handling agents.backgroundI issued a provisional decision on this complaint in Dec... (5 pages)View decision -
Decision Reference DRN8256829
18 Jan 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mrs C says HSBC Bank Plc (“HSBC”) mis-sold her a mortgage payment protection insurance (“MPPI”) policy.backgroundThis complaint is about a monthly premium MPPI policy taken out with a mortgage in 2002. Our adjudicator didn’t uphold the complaint. Mrs C disagreed with the ... (2 pages)View decision -
Decision Reference DRN8545680
18 Jan 2016 National Savings and Investments Not upheldBanking and creditMr T says National Savings and Investments (NSI) acted unfairly when his wife, using her Enduring Power of Attorney (EPOA), asked for his premium bonds to be transferred to her. He asks for an apology and more compensation, saying NSI didn’t take a balanced approach. our ini... (2 pages)View decision -
Decision Reference DRN3215716
18 Jan 2016 National Westminster Bank Plc UpheldInvestment and pensionsL complains National Westminster Bank Plc (NatWest) mis-sold it an interest rate swap agreement in February 2008.backgroundL is a limited company. In February 2008, it consolidated an existing loan and new borrowing into a £950,000 loan. At the same time it took out ... (5 pages)View decision -
Decision Reference DRN9730981
18 Jan 2016 Virgin Money plc Not upheldBanking and creditMr S complains that Virgin Money plc didn’t tell him that the promotional rate on his credit card was coming to an end. He also complains that Virgin charged him interest when it had agreed it wouldn’t do so until the complaint was resolved.our initial conclusionsOur ... (2 pages)View decision -
Decision Reference DRN1494205
15 Jan 2016 ReAssure Limited Not upheldInsurance (excluding PPI)Mr W has complained that ReAssure Limited won’t meet his claim in full under his personal accident insurance policy.backgroundIn 1984, Mr W took out a personal accident insurance policy with ReAssure. The policy offered various benefits in the event of Mr W suffering an ... (2 pages)View decision -
Decision Reference DRN1848222
15 Jan 2016 ACE European Group Limited Not upheldInsurance (excluding PPI)Mr W has complained about ACE European Group Limited’s decision to decline his claim under his personal accident insurance policy. backgroundIn 2001, Mr W took out a personal accident policy with ACE (which was then trading as Combined Insurance Company of America). The po... (2 pages)View decision -
Decision Reference DRN3064614
15 Jan 2016 Elite Insurance Company Limited Not upheldInsurance (excluding PPI)Mr A’s complaint is about Elite Insurance Company Limited’s handling of a claim made on his after the event (ATE) legal expenses insurance policy. All references to Elite include its claims handlers. backgroundMr A was involved in a dispute with another driver in relat... (2 pages)View decision -
Decision Reference DRN9419185
15 Jan 2016 JPMorgan Asset Management Marketing Limited Not upheldInvestment and pensionsMr L’s complaint concerns the investments he held with JP Morgan Asset Management Marketing Limited. He said that JPM incorrectly recorded his address, which caused problems with verifying his identity. Mr L says that this has resulted in lost investment opportunities a... (3 pages)View decision
