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 DRN4122693
14 Jan 2016 St Andrew's Insurance plc UpheldInsurance (excluding PPI)Mr and Mrs S are unhappy that St Andrew’s Insurance Plc has declined their claim for accidental damage under their home insurance policy.backgroundMr and Mrs S say they bought home insurance from a high street bank in 2010. That bank only sold policies with St Andrew’... (2 pages)View decision -
Decision Reference DRN1952957
14 Jan 2016 CIS General Insurance Limited UpheldInsurance (excluding PPI)Mr R complains that CIS General Insurance Limited promised his car would have an agreed value of £500 if it was written off, but that the terms of the policy say that he’ll only get its market value. He’s also unhappy that his policy documents record nine years no... (2 pages)View decision -
Decision Reference DRN3604959
14 Jan 2016 Aviva Life Services UK Limited UpheldInvestment and pensionsMrs S is complaining about Aviva Life Services UK Limited’s decision to decline her claim on a life insurance policy following her late husband’s death.background In 2011, Mr and Mrs S took out a mortgage. In March of the same year, they applied for a life insurance... (6 pages)View decision -
Decision Reference DRN1961892
14 Jan 2016 Haven Insurance Company UpheldInsurance (excluding PPI)Mr I complains that Haven Insurance Company has only valued his taxi at £8,225 following an accident when the car was written off. He thinks it was worth £10,500.backgroundIn valuing Mr I’s car at £8,225, Haven relied on its terms and conditions which say that ‘market... (2 pages)View decision -
Decision Reference DRN2067098
14 Jan 2016 Santander UK Plc Not upheldBanking and creditMrs H and her grandson Mr H say Santander UK Plc refused to refund a disputed standing order on Mrs H’s business account.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He said whilst he appreciated both Mrs H and Mr H say they ... (2 pages)View decision -
Decision Reference DRN8672239
14 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMrs K says Bank of Scotland plc (trading as Halifax) should increase its compensation offer. It recorded a default in error on her account. This stopped her getting a mortgage from the lender of her choice at the price she wanted.our initial conclusionsOur adjudicator ... (2 pages)View decision -
Decision Reference DRN5202162
14 Jan 2016 Lloyds Bank PLC UpheldBanking and creditMr G complains about Lloyds Bank PLC. backgroundMr G had difficulties with his bank account. As part of dealing with this Lloyds added a default to his credit record that it shouldn’t have. They also kept the default on record for too long. Lloyds have accepted t... (1 page)View decision -
Decision Reference DRN3204414
14 Jan 2016 Red Sands Insurance Company (Europe) Limited UpheldInsurance (excluding PPI)Ms W complains about the price Red Sands Insurance Company (Europe) Limited charged to renew her pet insurance policy.backgroundRed Sands quoted Ms W £112.84 per month for her pet insurance policy. Ms W complained and Red Sands said this amount was incorrect. It said the a... (2 pages)View decision -
Decision Reference DRN0478154
14 Jan 2016 Liverpool Victoria Insurance Company Limited Not upheldInsurance (excluding PPI)Mrs K has complained that Liverpool Victoria Insurance Company Limited settled another driver’s claim against her under her motor insurance policy, when she didn’t think the accident was her fault. backgroundMrs K was involved in an accident in a supermarket carpark. She... (2 pages)View decision -
Decision Reference DRN7806572
14 Jan 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mrs G and Mr M are unhappy with the cash settlement proposed by UK Insurance Limited for remedial work following their claim under their home insurance for damage caused by a water leak.backgroundMrs G and Mr M made a claim following a water leak to UKI in 2012. ... (3 pages)View decision
