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 DRN1942503
11 Mar 2016 Openwork Limited Not upheldInvestment and pensionsMr T has complained about his Term Assurance policy taken out with Legal & General. Mr T feels that he was mis-sold his policy by Top Quote (now Openwork Limited). Mr T has said he was never consulted by Openwork and feels the policy is totally unsuitable for ... (2 pages)View decision -
Decision Reference DRN4660643
11 Mar 2016 The Royal Bank of Scotland Plc UpheldInvestment and pensionsThe complaint concerns the guaranteed capital bond Mr C took out with theRoyal Bank of Scotland Plc (RBS). He is represented and his representative says that the bond was not suitable for Mr C and it produced no return. The CMC says that RBS took a long time to provi... (6 pages)View decision -
Decision Reference DRN9645567
11 Mar 2016 Close Brothers Limited UpheldBanking and creditMr O complains that a car that was supplied to him under a conditional sale agreement with Close Brothers Limited, trading as Close Brothers Motor Finance, was not of satisfactory quality.backgroundA used car was supplied to Mr O under a conditional sale agreement wit... (2 pages)View decision -
Decision Reference DRN7039872
11 Mar 2016 FirstRand Bank Limited Not upheldBanking and creditMiss B complains about problems with a car that was supplied to her under a hire purchase agreement with FirstRand Bank Limited, trading as MotoNovo Finance. backgroundA used car was supplied to Miss B in November 2014 under a hire purchase agreement with MotoN... (2 pages)View decision -
Decision Reference DRN0913369
11 Mar 2016 Tesco Personal Finance PLC UpheldBanking and creditMrs B complains that Tesco Personal Finance plc, trading as Tesco Bank, won’t refund to her all of the money that she paid for some holiday accommodation. Her complaint is made against Tesco Bank under section 75 of the Consumer Credit Act 1974. backgroundMrs B used ... (2 pages)View decision -
Decision Reference DRN9134344
11 Mar 2016 Advantage Finance Ltd UpheldBanking and creditMr P complains that a car that was supplied to him under a hire purchase agreement with Advantage Finance Limited was not of satisfactory quality. backgroundA used car was supplied to Mr P in May 2015 under a hire purchase agreement. Within a few days he says that... (2 pages)View decision -
Decision Reference DRN5246874
11 Mar 2016 esure Insurance Limited UpheldInsurance (excluding PPI)Mr V has complained that esure Insurance Limited decided he caused an accident when it settled a claim from another driver under his motor policy. He also complains that its market value for his car is too low. backgroundMr V was involved in an accident and the ot... (3 pages)View decision -
Decision Reference DRN4243932
11 Mar 2016 Mortgage FX Limited UpheldBanking and creditMr B complains that when a transaction he’d asked Mortgage FX Limited (“FX”) to make for him was cancelled, he got less money back than he’d paid. backgroundFX is a foreign exchange company. Mr B agreed that it would convert money for him, so he could complete a pu... (4 pages)View decision -
Decision Reference DRN0788467
11 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs T have complained that they were mis-sold a mortgage payment protection insurance (“MPPI”) policy in 1996. Bank of Scotland plc trading as Halifax (“Bank of Scotland”) has taken responsibility for this complaint. The policy was set up to cover Mr T only. bac... (2 pages)View decision -
Decision Reference DRN0565907
11 Mar 2016 Canada Square Operations Limited Not upheldPayment protection insurance (PPI)Mrs C complained that Canada Square Operations Limited (“CSOL)” mis-sold her credit card payment protection insurance (PPI) policy. backgroundMrs C bought the policy in March 2000 when she took out her credit card. CSOL said it was an online application and that it didn... (2 pages)View decision
