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 DRN1742153
14 Jan 2016 Paragon Bank Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mrs C either to accept or reject my decision before 15 February 2016. Rebecca Connelley ombudsman at the Financial Ombudsman ServicecomplaintMrs C says Paragon Bank PLC stopped her making withdrawal... (2 pages)View decision -
Decision Reference DRN6997116
14 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr B 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 2000.backgroundOne of our adjudicators looked at this complaint and thought that it shouldn’t be... (2 pages)View decision -
Decision Reference DRN0186160
14 Jan 2016 Millennium Insurance Company Limited Not upheldInsurance (excluding PPI)Mr B is unhappy that Millennium Insurance Company Limited reduced his storm damage claim settlement under his home insurance policy due to underinsurance.backgroundMillennium accepted Mr B’s claim but said that it had calculated the rebuilding cost of the property and this... (2 pages)View decision -
Decision Reference DRN2771010
14 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs H complain that Bank of Scotland plc mis-sold them a mortgage payment protection insurance (MPPI) policy in 1996.backgroundThe policy covered Mr and Mrs H’s monthly mortgage payment in the event they were unable to work due to accident, sickness and unemplo... (3 pages)View decision -
Decision Reference DRN3583812
14 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMiss C says that Vanquis Bank Limited has failed to update her credit file despite numerous requests.backgroundIn 2014, Miss C says that she contacted Vanquis and asked that it update her credit file. She provided the required evidence for it to do so.No action was... (2 pages)View decision -
Decision Reference DRN7459852
14 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs W complain that they were mis-sold payment protection insurance (“PPI”) when they took out a mortgage with Bank of Scotland plc, then trading as Halifax.backgroundMr and Mrs W took out a mortgage with Halifax in 1998. At the same time they were sold a ... (2 pages)View decision -
Decision Reference DRN1662581
14 Jan 2016 HSBC Bank plc Not upheldBanking and creditMr P has complained that HSBC Bank Plc (“HSBC”) mis-sold a ‘Plus’, later ‘Advance’ packaged bank account to him in 2007. He paid a monthly fee for the account and could have used several benefits in return.Mr P has used a claims management company (“CMC”) to bring ... (2 pages)View decision -
Decision Reference DRN1102267
14 Jan 2016 Decidebloom Limited Not upheldPayment protection insurance (PPI)Miss G and Mrs G complain Decidebloom Limited, trading as ‘Stonecare’, mis-sold Miss G payment protection insurance. backgroundIn 2007 Miss G and Mrs G arranged a hire-purchase agreement for a car. At the same time Decidebloom sold Miss G a regular premium PPI policy... (3 pages)View decision -
Decision Reference DRN2248421
14 Jan 2016 DFS Trading Limited Not upheldPayment protection insurance (PPI)Mrs A complains DFS Trading Limited mis-sold her a payment protection insurance (PPI) policy.backgroundIn 2005 Mrs A took out a loan with DFS to buy some furniture. At the same time, DFS sold her a PPI policy.Mrs A says she didn’t know she’d bought PPI and, because s... (2 pages)View decision -
Decision Reference DRN6330334
14 Jan 2016 Financial Planning & Investment Limited Not upheldInvestment and pensionsMr M complained about the advice he received from Financial Planning & Investment Limited (FP&I), to transfer his final salary pension scheme and the lack of subsequent investment advice.backgroundThis complaint was investigated by one of our adjudicators. He wrot... (2 pages)View decision
