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 DRN7856505
15 Jan 2016 Financial Insurance Company Limited Not upheldPayment protection insurance (PPI)Mr W complained that he was mis-sold a payment protection insurance (PPI) policy with a hire-purchase agreement when he bought a car in 2000. The car dealer that sold the PPI was not within our jurisdiction in relation to this sale. So I can’t consider a complaint ... (2 pages)View decision -
Decision Reference DRN4640973
15 Jan 2016 Nationwide Building Society UpheldPayment protection insurance (PPI)Mrs M says Nationwide Building Society shouldn’t have sold payment protection insurance (PPI) policies to her and her late-husband (Mr M).backgroundMr and Mrs M took out a loan with Nationwide in 2002 and bought a PPI policy at the same time. The loan included an extra ... (3 pages)View decision -
Decision Reference DRN1699400
15 Jan 2016 Activtrades Plc Not upheldInvestment and pensionsMr P complains that Activtrades Plc closed a number of his positions and caused him a significant financial loss. background to complaintMr P opened an account with Activtrades in November 2014. In December he began trading Contracts for Difference (CFDs) on a particul... (3 pages)View decision -
Decision Reference DRN4758837
15 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C complains that The Royal Bank of Scotland plc (“RBS”) wrongly cancelled a direct debit to his credit card and did not correctly update his address. background Mr C’s direct debit was cancelled in October 2014 and, as result, he missed two payments to his credit... (2 pages)View decision -
Decision Reference DRN1655847
15 Jan 2016 CT Capital Limited UpheldPayment protection insurance (PPI)Mr and Mrs C say CT Capital Limited (CT Capital) mis-sold them mortgage payment protection insurance (PPI).backgroundMr and Mrs C arranged to re-mortgage their home through CT Capital in 2007. The new mortgage was to run for 20 years. At the same time they bought a ... (3 pages)View decision -
Decision Reference DRN8177603
15 Jan 2016 Pinnacle Insurance Plc Not upheldPayment protection insurance (PPI)Miss O has complained about the way Pinnacle Insurance Plc has administered her mortgage payment protection insurance (PPI) policy. In particular she’s concerned about the maximum level of benefit Pinnacle has said shes allowed, and the level of premiums.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN3549884
15 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr M says that Bank of Scotland Plc, trading as Halifax, has incorrectly recorded a default marker against his credit file. He would like it to be removed.backgroundWhen Mr C had difficulty in obtaining credit, he checked his credit file and noted a default marker h... (2 pages)View decision -
Decision Reference DRN3129664
15 Jan 2016 Intrinsic Financial Services Limited Not upheldBanking and creditMr L1 and Mr L2 complain that a mortgage was mis-sold to them by a representative of Intrinsic Financial Services Limited.backgroundIn 2007 Mr L1 took out a mortgage with a building society after receiving advice from a representative of Intrinsic. Mr L1’s father, Mr L2... (3 pages)View decision -
Decision Reference DRN4418337
15 Jan 2016 Creation Consumer Finance Ltd UpheldBanking and creditMrs O complains that Creation Consumer Finance Ltd misplaced payments she made to her account, which resulted in charges being imposed and adverse credit information being recorded. She also complains about the response when she contacted the business about her concer... (2 pages)View decision -
Decision Reference DRN1829210
15 Jan 2016 HSBC Bank plc Not upheldBanking and creditMr A has complained it was unfair for HSBC Bank Plc to apply charges and interest to his account while he was in financial difficulties. He would like HSBC to refund all charges applied to the account and not to apply further charges.backgroundOur adjudicator didn... (2 pages)View decision
