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 DRN3982091
15 Jan 2016 Instant Cash Loans Limited UpheldBanking and creditMrs D has complained that Instant Cash Loans Limited (ICLL) lent to her irresponsibly.backgroundMrs D took out a series of loans between 2002 and 2012. Due to the length of time that has passed, ICLL has sent evidence of the loans she took out between August 2009... (2 pages)View decision -
Decision Reference DRN3368461
15 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs B has complained that Bank of Scotland plc trading as Halifax (“BoS”) mis-sold her payment protection insurance (“PPI”).backgroundMrs B complained to BoS that she was mis-sold PPI with her credit card. In response to Mrs B’s complaint, BoS refunded the PPI premiu... (2 pages)View decision -
Decision Reference DRN8400157
15 Jan 2016 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mr and Mrs P say they were mis-sold a mortgage payment protection insurance (MPPI) policy, which was taken out in 2005. The policy was originally sold by Halifax Insurance Ireland Ltd. However, St Andrew’s Insurance plc has taken over responsibility for all these p... (2 pages)View decision -
Decision Reference DRN4855617
15 Jan 2016 S4 Financial Ltd UpheldInvestment and pensionsMr S has complained about the advice he received from S4 Financial Ltd (S4) over a period of time to invest in a number of property schemes which he considers were inappropriate for his circumstances. This complaint concerns the advice to invest to invest £38,000 in th... (6 pages)View decision -
Decision Reference DRN8638201
15 Jan 2016 S4 Financial Ltd UpheldInvestment and pensionsMr S has complained about the advice over a period of time from S4 Financial Ltd (S4) to invest in a number of property schemes which he considers were inappropriate for his circumstances. This complaint concerns the advice to invest in the Merchant Place Property Pa... (6 pages)View decision -
Decision Reference DRN8003064
15 Jan 2016 S4 Financial Ltd UpheldInvestment and pensionsMr S has complained about the advice over a period of time from S4 Financial Ltd (S4) to invest in a number of property schemes which he considers were inappropriate for his circumstances. This complaint concerns the advice to invest in the Merchant Place Property Pa... (6 pages)View decision -
Decision Reference DRN7975277
15 Jan 2016 S4 Financial Ltd UpheldInvestment and pensionsfinal decisioncomplaintMr S has complained about the advice over a period of time from S4 Financial Ltd (S4) to invest in a number of property schemes which he considers were inappropriate for his circumstances. This complaint concerns the advice to invest in the Merc... (6 pages)View decision -
Decision Reference DRN5459935
15 Jan 2016 Grosvenor Butterworth (Financial Services) Limited UpheldInvestment and pensionsThis complaint relates to pensions and investment advice received by Mr and Mrs A from Grosvenor Butterworth (Financial Services) Limited. Mr and Mrs A say the advice to switch funds incurred high charges and resulted in financial losses. It was unlikely there’d be su... (10 pages)View decision -
Decision Reference DRN1925121
15 Jan 2016 Barclays Bank Plc UpheldBanking and creditMr B and Miss T complain that Barclays Bank Plc mis-sold them packaged bank accounts in October 2001 and April 2007.Mr B and Miss T have used a claims management company (CMC) to bring their complaint to us.background Mr B and Miss T originally held a free account wi... (3 pages)View decision -
Decision Reference DRN5139860
15 Jan 2016 Santander UK Plc UpheldBanking and creditMr and Mrs D have complained about the way in which Santander UK Plc has dealt with claims from their management company for service charge arrears.backgroundThe background to the complaint was set out in detail by the adjudicator in his letter to Santander dated 29 O... (2 pages)View decision
