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 DRN5800410
11 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)In 2000 Mr and Mrs M took out a mortgage with The Royal Bank of Scotland Plc (Royal Bank of Scotland). Mr and Mrs M complain that the Royal Bank of Scotland mis-sold them monthly premium payment protection insurance (PPI) at the same time. backgroundAt the time of... (2 pages)View decision -
Decision Reference DRN5386843
11 Mar 2016 Nationwide Building Society Not upheldPayment protection insurance (PPI)Mr P says Nationwide Building Society mis-sold him a payment protection insurance (PPI) policy.backgroundMr P bought the policy in 1999 at the same time as taking out a loan. The loan included an amount to pay for the policy. Our adjudicator didn’t uphold the complain... (2 pages)View decision -
Decision Reference DRN7593801
11 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMrs I complains that Barclays Bank Plc mis-sold her an Additions Plus packaged account in 2006. She paid a monthly fee for the account which offered several benefits in return. backgroundOne of our adjudicators looked into Mrs I’s complaint. The adjudicator thought... (2 pages)View decision -
Decision Reference DRN6244368
11 Mar 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr B says Lloyds Bank PLC mis-sold him a payment protection insurance (PPI) policy.backgroundMr B bought a single premium PPI policy in April 2006 at the same time as taking out a personal loan. The loan and policy were sold during a branch meeting. The loan and PP... (2 pages)View decision -
Decision Reference DRN1346364
11 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMr R told us Lloyds Bank PLC (‘Lloyds’) stopped his use of partnership accounts. Lloyds also asked him to repay an outstanding debt on one of the partnership accounts.Mr R is represented by a law firm. backgroundMr R and his former partner set up a partnership in 1987.... (2 pages)View decision -
Decision Reference DRN0623749
11 Mar 2016 The Royal Bank of Scotland Plc UpheldInvestment and pensionsMr and Mrs F complain about the poor service they received from The Royal Bank of Scotland Plc (“RBS”). In particular they say they couldn’t cash their portfolios when they wanted to; were not told who to contact when their adviser left; that the bank did not carr... (2 pages)View decision -
Decision Reference DRN2147451
11 Mar 2016 Marks & Spencer Financial Services plc Not upheldBanking and creditMr C complains that Marks & Spencer Financial Services Plc allowed the balance on his account to exceed his credit limit. Mr C doesn’t agree that his ex-wife used her additional credit card to buy a car. backgroundMr C has concerns about unauthorised transactions on ... (2 pages)View decision -
Decision Reference DRN1856858
11 Mar 2016 Virgin Money plc Not upheldBanking and creditMr H is very upset at how Virgin Money plc dealt with him when he was trying to sort out his terminally ill wife’s ISA account. He says the bank’s staff were rude and unprofessional and should know how to deal with situations like his much better. Mr H isn’t looki... (4 pages)View decision -
Decision Reference DRN7826359
11 Mar 2016 NRAM plc Not upheldBanking and creditMr M complains that NRAM plc is charging him a £250 Discharge of Mortgage (DOM) fee when he moved his mortgage to another lender.backgroundMr M took out a mortgage with NRAM in 2007 which included terms for payment of a DOM fee.Mr M feels he was linked in to an un... (2 pages)View decision -
Decision Reference DRN9465874
11 Mar 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R complains that The Royal Bank of Scotland Plc didn’t warn him in advance that it was going to issue a default notice.backgroundMr R had a repayment mortgage and flexible term loan with RBS. From May 2014 onwards Mr R missed a number of payments and his mortgage ... (2 pages)View decision
