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 DRN9376362
10 Mar 2016 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Mr Q says Secure Trust Bank Plc mis-sold him an accident, sickness and unemployment insurance policy. backgroundMr Q opened a “OneBill” account with Secure Trust in 1990, as a way of managing his household bills. In 1996 he took out a loan with Secure Trust. He says i... (3 pages)View decision -
Decision Reference DRN9040490
10 Mar 2016 Premier Writers Ltd UpheldPayment protection insurance (PPI)Mrs S complains she was mis-sold a payment protection insurance (PPI) policy by PremierWriters Ltd (Premier Writers).backgroundMrs S applied for a loan through a finance company during a phone call in 2005. At thesame time she took out a PPI policy to cover her re... (4 pages)View decision -
Decision Reference DRN1209856
10 Mar 2016 Premier Writers Ltd UpheldPayment protection insurance (PPI)Mr F complains Premier Writers Ltd (“Premier Writers”) mis-sold him a payment protection insurance (“PPI”) policy.backgroundMr F applied for a loan with a finance company in 2008. He took out a PPI policy at the same time. When it sold the PPI, the finance company acte... (5 pages)View decision -
Decision Reference DRN2590217
10 Mar 2016 Health Shield Friendly Society Limited Not upheldInsurance (excluding PPI)Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F either to accept or reject my decision before 11 April 2016. Chantelle Hurn-Ryan ombudsman at the Financial Ombudsman ServicecomplaintMr F complains about Health Shield Friendly Society Limited’s ... (2 pages)View decision -
Decision Reference DRN9662509
10 Mar 2016 Bank of Scotland Plc Not upheldInsurance (excluding PPI)Mrs Z has complained that Bank of Scotland plc (BoS) cancelled her home insurance policy because it said she’d failed to disclose some important information.backgroundMrs Z went into a branch of BoS and got a quote for home insurance. The following month she rang BoS t... (2 pages)View decision -
Decision Reference DRN2095396
10 Mar 2016 Unum Ltd UpheldInsurance (excluding PPI)Mr H complains about Unum Ltd’s decision to terminate a claim under his employer’s income protection scheme.backgroundMr H had an income protection claim in payment. In 2014 Unum carried out a review of that claim. After doing so, it concluded that Mr H could work ... (2 pages)View decision -
Decision Reference DRN7979943
10 Mar 2016 Brightside Insurance Services Limited UpheldInsurance (excluding PPI)Mr B has complained that Brightside Insurance Services Limited failed to renew his motor policy even though he paid for it.backgroundMr B’s policy was due to be renewed for the third year in a row through his broker, Brightside. He received his renewal invitation an... (2 pages)View decision -
Decision Reference DRN9732318
10 Mar 2016 Lux Finance Limited UpheldInvestment and pensionsMrs T complains Lux Finance Limited (Lux) failed to close her investment and return her money when requested to do so in January 2014.backgroundMrs T’s late father invested €1,100,000 with Lux Finance Limited. After his death, she received half of this. In January 201... (2 pages)View decision -
Decision Reference DRN7560904
10 Mar 2016 Chadney Bulgin LLP UpheldInvestment and pensionsMrs G has complained about the advice given to her late husband, Mr G, by Chadney Bulgin LLP (Chadney Bulgin) to buy an annuity when he was terminally ill. She is seeking compensation for the monies lost as a result of the advice.backgroundI issued a provisional de... (4 pages)View decision -
Decision Reference DRN2454832
10 Mar 2016 First Union Mortgages Limited UpheldPayment protection insurance (PPI)Mr and Mrs H say First Union Mortgages Limited (First Union) mis-sold them a payment protection insurance (PPI) policy. backgroundIn 2006 First Union spoke to Mr and Mrs H by phone and arranged a remortgage for them. Mr and Mrs H took out a 20-year mortgage. And they... (3 pages)View decision
