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 DRN1076375
10 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)This complaint is about a Total Mortgage Protection Plan (TMPP) policy. This type of policy typically includes elements of mortgage protection and life and / or critical illness cover (CIC). Miss M says Bank of Scotland plc, trading as Halifax, mis-sold her this pol... (2 pages)View decision -
Decision Reference DRN4794415
10 Mar 2016 London General Insurance Company Limited Not upheldPayment protection insurance (PPI)This complaint is about a regular premium payment protection insurance (PPI) policy taken out by Miss B in 2002 in connection with her HP agreement arranged by London General Insurance Company Limited (LGIC). The PPI was sold at a meeting and Miss B complains the p... (2 pages)View decision -
Decision Reference DRN1739630
10 Mar 2016 National Westminster Bank Plc Not upheldBanking and creditMiss W complains National Westminster Bank Plc (NatWest) mis-sold her an identity theft protection policy in October 2007.backgroundMiss W says she was told she had to take out the policy and could face large losses if she lost her cards and didn’t have it. She sa... (2 pages)View decision -
Decision Reference DRN6751624
10 Mar 2016 National Westminster Bank Plc Not upheldInsurance (excluding PPI)Miss W complains National Westminster Bank Plc (NatWest) hasn’t given her a refund of the premiums she paid for her card protection policy.backgroundMiss W complained to NatWest about the sale of her card protection policy in December 2014. It said the policy had ... (2 pages)View decision -
Decision Reference DRN8380537
10 Mar 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr T says he was mis-sold a regular premium payment protection insurance (PPI) policy by Lloyds Bank PLC (Lloyds).backgroundMr C applied for a credit card in 1997. At the same time he bought a regular premium PPI policy. The policy cost 71p per every £100 of the outs... (2 pages)View decision -
Decision Reference DRN0643973
10 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMrs G has complained about packaged accounts sold to her by Lloyds Bank PLC (“Lloyds” or “the bank”).backgroundLloyds told us that Mrs G opened a free account with the bank in 1996. It says she then upgraded to a packaged account called a “Gold Service” account in 2003... (2 pages)View decision -
Decision Reference DRN4088115
10 Mar 2016 Northern Bank Limited Not upheldInvestment and pensionsMr and Mrs M complain about their mortgage with Northern Bank Limited. They say that it was set up as an endowment mortgage. However they believe they had changed it to a repayment type mortgage in 2000. They say they did that to make sure they were not faced with a... (2 pages)View decision -
Decision Reference DRN8770765
10 Mar 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mr H has complained about U K Insurance Limited (“UKI”) refusing to make any payment for his boiler under his home emergency cover and its poor service.backgroundMr H had home insurance which covered home emergencies. He said that when his boiler leaked he phoned UKI. ... (3 pages)View decision -
Decision Reference DRN4904906
10 Mar 2016 Automobile Association Insurance Services Limited UpheldInsurance (excluding PPI)Mr P complains that Automobile Association Insurance Services Limited (the AA) renewed his motor insurance policy and other insurance without his consent and took money from his account. He wants a refund with interest and compensation.background Mr P said he wrote to ... (2 pages)View decision -
Decision Reference DRN0622908
10 Mar 2016 NRAM plc UpheldPayment protection insurance (PPI)Miss N has complained that NRAM plc mis-sold her a payment protection insurance (PPI) policy.backgroundMiss N bought the PPI policy when she borrowed £8,000 in November 2004. She borrowed an extra £3,087.04 to pay for it.In 2012 Miss N wrote to NRAM to say she thoug... (2 pages)View decision
