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 381195 results
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Decision Reference DRN1643000
11 Mar 2016 HSBC Bank plc Not upheldBanking and creditThis complaint’s about Mr S’s online access to his mortgage account with HSBC Bank Plc. Mr S has been denied access since September 2015. He thinks HSBC caused the problem to begin with and says it won’t now do anything to help him restore access.backgroundMr S has... (2 pages)View decision -
Decision Reference DRN9239793
11 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMr S has complained that Bank of Scotland plc trading as Halifax (“Halifax”) mis-sold an Ultimate Reward Current Account (“URCA”) packaged bank account to him in 2012. He pays a monthly fee for the account and receives several benefits in return.backgroundOne of our ... (3 pages)View decision -
Decision Reference DRN1216250
11 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMs P has complained that Bank of Scotland plc trading as Halifax (“Halifax”) mis-sold an Ultimate Reward Current Account (“URCA”) to her in 2008. She paid a monthly fee for the account and was offered several benefits in return.backgroundOne of our adjudicators has l... (3 pages)View decision -
Decision Reference DRN2912781
11 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs C complained that they were mis-sold a mortgage payment protection insurance (“MPPI”) policy in 2001. Bank of Scotland plc trading as Halifax (“Bank of Scotland”) has taken responsibility for this complaint. The policy was set up to cover Mr C only. b... (2 pages)View decision -
Decision Reference DRN6494033
11 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr S is complaining about packaged bank accounts sold to him by Barclays Bank Plc (Barclays). Mr S has used a claims management company (CMC) to bring his complaint to us.backgroundMr S held a free account with Barclays before upgrading to a Current Plus account ... (2 pages)View decision -
Decision Reference DRN3081295
11 Mar 2016 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mr C says he was mis-sold a mortgage payment protection insurance (MPPI) policy, which was taken out in 2004. The policy was originally sold by Halifax Insurance Ireland Ltd. However, St Andrew’s Insurance plc has taken over responsibility for all these policies and I’... (2 pages)View decision -
Decision Reference DRN9179942
11 Mar 2016 Erudio Student Loans Limited UpheldBanking and creditMrs P has complained that Erudio Student Loans Limited has unfairly added arrears to her account.backgroundMrs P has a loan, which she took out with a third party over 20 years ago. She has been deferring it each year for 20 years. Erudio now owns the loan.Mrs P ha... (2 pages)View decision -
Decision Reference DRN6315228
11 Mar 2016 Barclays Bank Plc UpheldBanking and creditMiss B says the default date Barclays Bank PLC (trading as Barclaycard) registered on her account is wrong, and must be amended.backgroundBarclaycard sent Miss B a default notice in March 2008. She didn’t comply with the terms of the notice and understood her account ... (2 pages)View decision -
Decision Reference DRN4308526
11 Mar 2016 Volkswagen Financial Services (UK) Limited UpheldBanking and creditMr O complains that a car supplied by Volkswagen Financial Services (UK) Limited (VFS) isn’t of satisfactory quality. He wants a like for like replacement or his money back and the finance cancelled. backgroundIn 2014 Mr O acquired a new car with finance from VFS. Ab... (3 pages)View decision -
Decision Reference DRN2912438
11 Mar 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Miss O says Capital One (Europe) plc mis-sold her a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 2000. The policy was added to Miss O’s credit card account at some point after the card had been s... (2 pages)View decision
