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 381196 results
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Decision Reference DRN1481883
10 Mar 2016 Enterprise Insurance Company plc Not upheldInsurance (excluding PPI)Company P has complained that Enterprise Insurance Company plc wrongfully cancelled their self-drive hire insurance policy and didn’t give them the correct refund of premium.backgroundCompany P had a self-drive hire policy with Enterprise. They renewed this policy throug... (3 pages)View decision -
Decision Reference DRN0013697
10 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMiss P and Mr T, who trade as a partnership, complain that Lloyds Bank PLC misled them about a business loan. They didn’t know it was interest only. They ask that payments are refunded and the loan restructured. backgroundMiss P and Mr T took out a 3 year loan in mid ... (2 pages)View decision -
Decision Reference DRN4525230
10 Mar 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mr J is unhappy that UK Insurance Limited won’t pay his claim for theft of a watch under his home contents policy.backgroundIn April 2015 Mr J made a claim for the theft of a valuable watch. He described it to UKI’s loss adjuster and was asked to provide evidence o... (2 pages)View decision -
Decision Reference DRN9938930
10 Mar 2016 Sesame Limited Not upheldInvestment and pensionsMr L has complained that Sesame Limited (Sesame) did not advise him about the guaranteed growth rates (GGRs) on his existing pension plan when he transferred the fund to a new provider in 2011. He believes has suffered a financial loss in transferring and would not... (5 pages)View decision -
Decision Reference DRN1878077
10 Mar 2016 Clydesdale Bank Plc UpheldBanking and creditMr and Mrs W complain about the actions of Clydesdale Bank Plc (trading as Yorkshire Bank) in connection with a £170,000 business loan to a limited company (W). backgroundMr and Mrs W are directors of W. In July 2007 the bank agreed to lend W £170,000 to develop a p... (2 pages)View decision -
Decision Reference DRN0884642
10 Mar 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr and Mrs L complain that HSBC Bank Plc (HSBC) mis-sold them a monthly premium mortgage payment protection insurance (MPPI) policy.backgroundMr and Mrs L took out a mortgage with HSBC in 1999 and were sold a MPPI policy.The policy cost £26.46 per month and provided a... (2 pages)View decision -
Decision Reference DRN7936832
10 Mar 2016 Cheltenham & Gloucester plc Not upheldBanking and creditMr A complains that Cheltenham & Gloucester Plc (“C&G”) didn’t pass surplus sale proceeds on to him after it repossessed and sold his property.To resolve this complaint, Mr A wants compensation for the distress he’s been caused.backgroundBetween 1999 and 2005 ... (2 pages)View decision -
Decision Reference DRN1842988
10 Mar 2016 Campbell Harrison Ltd Not upheldInvestment and pensionsThe trustees complain that they were given unsuitable advice by Campbell Harrison Ltd to invest in a life settlements fund. They have said the fund was not suitable for their attitude to risk. backgroundI issued my provisional decision on 4 February 2016. By way of my ... (6 pages)View decision -
Decision Reference DRN2528974
10 Mar 2016 Financial Planning (Wales) Ltd UpheldInvestment and pensionsMr and Mrs W complain that Financial Planning (Wales) Ltd provided them with an investment advice service which resulted in their money being wrongly invested, causing them an unnecessary financial loss. I’ll call Financial Planning (Wales) Ltd ‘FPW’. backgroundFPW ga... (5 pages)View decision -
Decision Reference DRN6953846
10 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs R complains that Bank of Scotland plc (BOS) mis-sold her a payment protection insurance (“PPI”) policy in 1999 alongside a loan.backgroundThe PPI policy covered Mrs R’s monthly loan repayments if Mrs R was off work because of an accident, sickness or if she was ... (2 pages)View decision
