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 DRN4738920
14 Jan 2016 Wage Day Advance Limited UpheldBanking and creditMr B complains that Wage Day Advance Limited didn’t carry out proper checks; the payday loans he took out weren’t affordable and shouldn’t have been granted. backgroundMr B took out 11 payday loans with Wage Day in about a 12 month period. He says they contributed to... (2 pages)View decision -
Decision Reference DRN9111300
14 Jan 2016 Virgin Money plc Not upheldBanking and creditMr and Mrs B complain that Virgin Money plc has unfairly increased the monthly payment due on their mortgage.backgroundMr and Mrs B took out their mortgage in 2007. In November 2015, Virgin wrote to them to say that their monthly mortgage payment was increasing. Th... (2 pages)View decision -
Decision Reference DRN6924556
14 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs M 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 2003. The policy was set up to cover Mr M only. backgroundOne of our adjudicators lo... (2 pages)View decision -
Decision Reference DRN6110695
14 Jan 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr J complains that Legal & General Partnership Services Limited (L & G) mis-sold his mortgage.backgroundIn 2006 Mr J consulted Mortgage Solutions Swansea Limited (MSS), an authorised representative of L & G, about a mortgage for a property he wanted to buy... (2 pages)View decision -
Decision Reference DRN0883379
14 Jan 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mr and Mrs H complain that U K Insurance Limited (“UKI”) didn’t deal with their burglary claim properly.backgroundIn August 2014, Mr and Mrs H bought a household insurance policy for their new home. Mrs H was sold this cover by a bank on the phone. During the call, Mr... (3 pages)View decision -
Decision Reference DRN7778246
14 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr T has complained that Bank of Scotland plc trading as Halifax (“Bank of Scotland”) mis- sold him a payment protection insurance (“PPI”) policy when he took out a loan in 2004.backgroundOne of our adjudicators looked at this complaint and thought that it shouldn’t be... (2 pages)View decision -
Decision Reference DRN1056708
14 Jan 2016 Grayside Limited Not upheldInsurance (excluding PPI)Under the rules of the Financial Ombudsman Service, I am required to ask Mr H either to accept or reject my decision before 15 February 2016. Lindsey Woloski ombudsman at the Financial Ombudsman ServicecomplaintMr H complains that Grayside Limited (trading as Grayside ... (2 pages)View decision -
Decision Reference DRN6818620
14 Jan 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr K complained he was mis-sold payment protection insurance (PPI) with a loan with Capital One (Europe) plc.backgroundCapital One agreed that Mr K had been mis-sold PPI and it made him an offer. The offer was made in 2014 for £4,173.70 and it held back £2,641.50 to ... (2 pages)View decision -
Decision Reference DRN7469751
14 Jan 2016 Nationwide Building Society Not upheldBanking and creditMs M and Mrs M complain about their mortgage arranged in 2007 with Nationwide Building Society.backgroundMs M and Mrs M are daughter and mother. Ms M was buying her first home in 2007 and, for affordability reasons, her mother (Mrs M) was added to the mortgage.Whe... (2 pages)View decision -
Decision Reference DRN7969468
14 Jan 2016 Decidebloom Limited UpheldPayment protection insurance (PPI)Mrs L complained that Decidebloom Limited (trading as Stoneacre) sold her a single premium life insurance policy.backgroundIn 2007, Mrs L took a loan to buy a car. At the same time, she also bought a life insurance policy. The loan and policy both ran for five years.... (2 pages)View decision
