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 DRN9703009
11 Mar 2016 Swinton Group Ltd Not upheldInsurance (excluding PPI)Mr G says that Swinton Group Ltd set up a Landlord’s insurance policy without his consent.backgroundI wrote a provisional decision on this case in December 2015. I’ve attached a copy which forms part of my final decision.Swinton says it doesn’t have anything further to ... (5 pages)View decision -
Decision Reference DRN5690212
11 Mar 2016 The Prudential Assurance Company Limited Not upheldInvestment and pensionsMr K complained that The Prudential Assurance Company Limited (Prudential) didn’t give him all of the options available when he set up his annuity.backgroundIn 2015 Mr K made a number of enquiries about his retirement annuity contract (RAC). His RAC had a guaranteed ra... (3 pages)View decision -
Decision Reference DRN1549303
11 Mar 2016 Sun Life Assurance Company of Canada (U.K.) Limited Not upheldInvestment and pensionsMr M complains Sun Life Assurance Company of Canada (U.K.) Limited mis-sold him three saving endowment plans, of variable length, in 1992, 1993 and 1994. backgroundMr M’s representatives claimed that 10 year renewable savings plans would have been more suitable than the t... (2 pages)View decision -
Decision Reference DRN5615878
11 Mar 2016 Royal & Sun Alliance Insurance Plc UpheldInsurance (excluding PPI)Mr A is unhappy that Royal & Sun Alliance Insurance Plc (RSA) hasn’t repaired or replaced his damaged laptop under his home insurance policy.backgroundMr A made a claim after some wine was spilt on his laptop. RSA arranged for approved repairers (Firm B) to collect ... (2 pages)View decision -
Decision Reference DRN2146628
11 Mar 2016 Tesco Underwriting Limited Not upheldInsurance (excluding PPI)Mrs A is unhappy that Tesco Underwriting Limited declined her claim for the theft of her son’s tools under her home insurance policy.backgroundMrs A made a claim under her home insurance policy following the theft of her son’s tools that he used for his work. Tesco... (2 pages)View decision -
Decision Reference DRN4216615
11 Mar 2016 Northern Bank Limited Not upheldPayment protection insurance (PPI)Mrs D complained that she was mis-sold a series of loan payment protection insurance (PPI) policies by Northern Bank Limited, trading as Danske Bank (“Northern Bank”).backgroundMrs D took out four personal loans between April 1999 and August 2001. These had numbers... (2 pages)View decision -
Decision Reference DRN8744033
11 Mar 2016 Lloyds Bank PLC UpheldInvestment and pensionsMr and Mrs H have complained through a claims management company (‘CMC’) about advice they received from Lloyds Bank PLC to invest £7,000 each in a Capital Protected Fund 2 (‘CPF2’). backgroundI issued a provisional decision on this complaint in February 2016 in which ... (7 pages)View decision -
Decision Reference DRN5160694
11 Mar 2016 Aviva Insurance Limited Not upheldInsurance (excluding PPI)A complaint has been made on behalf of the late Mrs R that she was mis-sold accidental death and injury policies by Aviva Insurance Limited. It is said that Mrs R would not have been able to understand the policies and would not have taken them out if she had... (2 pages)View decision -
Decision Reference DRN2729707
11 Mar 2016 Red Sands Insurance Company (Europe) Limited UpheldInsurance (excluding PPI)Mr H’s complaint is about Red Sands Insurance Company (Europe) Limited’s decision to decline a claim he made on his pet insurance policy.All references to Red Sands include its claims handlers.backgroundIn 2015 Mr H made a claim on his pet insurance policy to cover ... (2 pages)View decision -
Decision Reference DRN2500970
11 Mar 2016 The Royal Bank of Scotland Group Independent Financial Services Limited Not upheldInvestment and pensionsMr and Mrs B complain that a predecessor company of The Royal Bank of Scotland Group Independent Financial Services Limited (RBS) mis-sold them a term assurance policy in 1989, saying this was a condition of their mortgage.backgroundThe background and circumstances of ... (3 pages)View decision
