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 DRN8007571
15 Jan 2016 Legal and General Assurance Society Limited Not upheldInvestment and pensionsMr N is complaining about Legal & General Assurance Society Limited because it declined a claim on one of his wife’s life insurance policies following her death.backgroundIn 2000, Mr and Mrs N took out a life insurance policy covering each of their lives. They too... (3 pages)View decision -
Decision Reference DRN4215895
15 Jan 2016 Lighthouse Advisory Services Limited UpheldPayment protection insurance (PPI)Mr and Mrs G say Lighthouse Advisory Services Limited (“Lighthouse”) mis-sold them payment protection insurance (“PPI”) policies.backgroundThis complaint is about single premium PPI policies taken out with a mortgage in 2007. The mortgage was taken out by both Mr and Mrs ... (3 pages)View decision -
Decision Reference DRN2260880
15 Jan 2016 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr D says Barclays Bank Plc hasn’t paid him enough compensation after it mis-sold him a payment protection insurance (PPI) policy. backgroundMr D complained to Barclays about the sale of a PPI policy that ran alongside his mortgage. Barclays upheld Mr D’s complaint and ... (2 pages)View decision -
Decision Reference DRN5719505
15 Jan 2016 Allianz Insurance Plc Not upheldPayment protection insurance (PPI)Mrs A has complained that Marks & Spencer mis-sold a regular-premium, payment protection insurance policy to her in 1993 when she applied for a charge card with them. Allianz Insurance Plc has accepted responsibility for the complaint so I will refer to them in thi... (2 pages)View decision -
Decision Reference DRN6052352
15 Jan 2016 Scottish Friendly Assurance Society Limited Not upheldInsurance (excluding PPI)Mrs C is complaining about Scottish Friendly Assurance Society Limited because it didn’t pay a claim on her critical illness insurance policy. She’s also unhappy with the time it took to decide.backgroundMrs C took out a life insurance policy in March 2014. In September ... (2 pages)View decision -
Decision Reference DRN7952206
15 Jan 2016 Premier Writers Ltd UpheldPayment protection insurance (PPI)Mr M says Premier Writers Ltd (‘Premier Writers’) mis-sold him a payment protection insurance (‘PPI’) policy.backgroundMr M applied for a loan with a finance company in late 2006. He bought a PPI policy at the same time. The finance company was acting for Premier Wr... (5 pages)View decision -
Decision Reference DRN4274761
15 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditMrs M has complained that Lloyds Bank PLC (“Lloyds”) mis-sold a Gold packaged bank account to her in 2006.backgroundOne of our adjudicators has looked into Mrs M’s complaint already. And she didn’t think that Lloyds had mis-sold the Gold account to her. Mrs M didn’t ... (3 pages)View decision -
Decision Reference DRN8120253
15 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask [insert anonymised name here] either to accept or reject my decision before 15 February 2016. Jan O’Leary ombudsman at the Financial Ombudsman ServicecomplaintMr A and Miss T have complained about ... (2 pages)View decision -
Decision Reference DRN9872385
15 Jan 2016 Northern Bank Limited Not upheldInvestment and pensionsMr M complains Northern Bank Limited (Northern) mis-sold him a life assurance policy as the reviewable nature was not fully explained.backgroundThe background and circumstances of this complaint are set out within my provisional decision of 14 December 2015. A copy of th... (3 pages)View decision -
Decision Reference DRN6057038
15 Jan 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms B says that The Royal Bank of Scotland Plc (RBS), trading as NatWest, mis-sold her mortgage payment protection insurance (PPI).backgroundMs B took out a mortgage with RBS in 1997. At the same time she bought a regular monthly premium PPI to cover her repayments in t... (2 pages)View decision
