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 DRN5830643
15 Jan 2016 Yorkshire Building Society UpheldPayment protection insurance (PPI)Mr and Mrs C say Yorkshire Building Society trading as ‘Chelsea Building Society’ (“Chelsea”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy.backgroundThis complaint is about a regular premium MPPI policy taken out with a mortgage in 2002. Mr and M... (2 pages)View decision -
Decision Reference DRN6853689
15 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs H says Bank of Scotland plc (trading as Halifax) shouldn’t have sold her a mortgage payment protection insurance (MPPI) policy.backgroundMrs H took out a mortgage with Halifax in 2002 and bought an MPPI policy at the same time. Our adjudicator didn’t think the c... (2 pages)View decision -
Decision Reference DRN1089390
15 Jan 2016 Santander UK Plc UpheldPayment protection insurance (PPI)Mrs S complains that Santander UK Plc (“Santander”), mis-sold her a payment protection insurance (“PPI”) policy.backgroundI issued a provisional decision in this case on 22 December 2015, in which I indicated I intended to uphold this complaint and order Santander to compe... (4 pages)View decision -
Decision Reference DRN4168344
15 Jan 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mr and Mrs C complain that U K Insurance Limited (“UKI”) hasn’t underpinned their property. This relates to a claim they made under their Home insurance, following damage caused by subsidence. backgroundInitially, the claim was settled by means of one or more trees on M... (2 pages)View decision -
Decision Reference DRN8800913
15 Jan 2016 Hitachi Capital (UK) Plc Not upheldBanking and creditMrs A’s main complaint is that a fixed sum loan agreement with Hitachi Capital (UK) Plc (“Hitachi”) was mis-sold to her.backgroundMrs A took out the loan to fund the purchase of a mandibular device, which was to be supplied and fitted by a dental practitioner. The den... (3 pages)View decision -
Decision Reference DRN7407872
15 Jan 2016 TD Direct Investing (Europe) Limited Not upheldInvestment and pensionsMr A has complained about how TD Direct Investing (Europe) Limited (“TD Direct”) managed his online trading account for a period between 2014 and 2015. He has also complained about how TD Direct handled his concerns, and then his complaint.In particular Mr A says that TD ... (2 pages)View decision -
Decision Reference DRN1405696
15 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs G have complained that Bank of Scotland plc trading as Halifax (“Bank of Scotland”) mis-sold them a payment protection insurance (“PPI”) policy when they took out a loan in 1998. The policy was set up to cover Mr G only. backgroundOne of our adjudicators loo... (2 pages)View decision -
Decision Reference DRN6342431
15 Jan 2016 HSBC Bank plc Not upheldBanking and creditMrs Y has complained that HSBC Bank Plc mis-sold a Plus packaged bank account to her in 2007. The account was later rebranded as an Advance account. She paid a monthly fee for the account which offered several benefits in return.backgroundOne of our adjudicators lo... (2 pages)View decision -
Decision Reference DRN8040544
15 Jan 2016 Premier Writers Ltd UpheldPayment protection insurance (PPI)Mr T says Premier Writers Ltd (‘Premier Writers’) mis-sold him a payment protection insurance (‘PPI’) policy.backgroundMr T applied for a loan with a finance company in early 2006. He bought a PPI policy at the same time. The finance company was acting for Premier Wr... (6 pages)View decision -
Decision Reference DRN6325296
15 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs R complain that Bank of Scotland plc, trading as Halifax (“Halifax”) mis-sold them a payment protection insurance (“PPI”) policy.backgroundOur adjudicator didn’t uphold the complaint. Mr and Mrs R, through their representative, didn’t agree, and so the case ... (2 pages)View decision
