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
-
Decision Reference DRN3621420
10 Mar 2016 Radcliffe & Company (Life & Pensions) Limited Not upheldInvestment and pensionsMrs S complained about advice from Radcliffe & Company (Life & Pensions) Limited (“R&C”) to transfer two pensions to a self-invested personal pension (SIPP). The transfer allowed her to take a tax-free cash sum, before the minimum retirement age increased in ... (5 pages)View decision -
Decision Reference DRN7104630
10 Mar 2016 National House-Building Council Not upheldInsurance (excluding PPI)Mrs R complains that, years after contacting National House-Building Council (“NHBC”) under the terms of her Buildmark contract, it hasn’t resolved the problems affecting her new home.background Mrs R purchased a new home which came with a Buildmark contract provided by ... (2 pages)View decision -
Decision Reference DRN2045321
10 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M complain that they were mis-sold a joint packaged account by Bank of Scotland plc in 2007. backgroundBank of Scotland charged a monthly fee for the packaged account which came with a range of benefits. Mr and Mrs M say they were told they had to take ... (2 pages)View decision -
Decision Reference DRN0247851
10 Mar 2016 Phoenix Life Assurance Limited Not upheldInvestment and pensionsMr and Mrs R complain they were mis-sold a decreasing term assurance policy by Phoenix Life Assurance Limited.They say: They were advised the policy was a condition of their mortgage. No alternatives were discussed. Because they had a holiday home worth £50,000, the poli... (3 pages)View decision -
Decision Reference DRN7985213
10 Mar 2016 UK Insurance Limited Not upheldInsurance (excluding PPI)Ms C and Mr M have complained about U K Insurance Limited (UKI). They feel it handled their home insurance claim badly.backgroundThere was a fire and UKI took on repairs. It moved Ms C and Mr M into a hotel and said repairs would last around three weeks. They were in ... (2 pages)View decision -
Decision Reference DRN6148243
10 Mar 2016 Legal & General Insurance Limited Not upheldInsurance (excluding PPI)Mrs P complains Legal & General Insurance Limited (L&G) handled her household insurance claims badly. backgroundMrs P made a claim for escape of water. L&G found there were two separate leaks. So it made the repairs under two claims. The repairs happened a... (2 pages)View decision -
Decision Reference DRN5170506
10 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr D says Bank of Scotland plc (trading as “Halifax”) mis-sold him a payment protection insurance (PPI) policy.backgroundThis complaint is about a regular premium PPI policy taken out with a loan in February 2001. The loan was for 10 years although it was paid off in ... (2 pages)View decision -
Decision Reference DRN5593386
10 Mar 2016 National Westminster Bank Plc UpheldInvestment and pensionsD complains that it was mis-sold a swap by National Westminster Bank Plc (NatWest) in October 2008.backgroundI issued my provisional decision on this complaint on 3 February 2016. The background and circumstances to the complaint and my initial finding, which was to uph... (6 pages)View decision -
Decision Reference DRN6366993
10 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMs W complains that Bank of Scotland plc (trading as “Halifax”) hasn’t dealt fairly with her in relation to her liability for an outstanding debt on her joint account.backgroundMs W held a joint account with a third party with Halifax. The third party spent on the ac... (2 pages)View decision -
Decision Reference DRN1496114
10 Mar 2016 The Royal Bank of Scotland Plc Not upheldInsurance (excluding PPI)Mr H complains The Royal Bank of Scotland Plc (RBS) mis-sold him an identity theft protection policy in January 2006. backgroundMr H says he thought the policy covered fraudulent transactions on his cards but later discovered this wasn’t the case. He says he therefo... (2 pages)View decision
