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 DRN1301393
10 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMr M is unhappy with the way that Bank of Scotland plc (“BOS”) treated him when he wanted to rearrange his finances. background Mr M wanted to rearrange his finances. Mr M had both a mortgage and secured loans with BOS. He wanted to consolidate all of the loans into ... (2 pages)View decision -
Decision Reference DRN7648539
10 Mar 2016 Trinity Lane Insurance Company Ltd Not upheldInsurance (excluding PPI)Mr H complains that Trinity Lane Insurance Company Ltd has refused to pay his claim made under his motorcycle insurance policy.backgroundMr H was attacked and his scooter was vandalised whilst it was parked outside his home. Trinity Lane rejected his claim as it said ... (2 pages)View decision -
Decision Reference DRN4822521
10 Mar 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that The Royal Bank of Scotland Plc (“RBS”) mis-sold them a Royalties packaged bank account in 1998, which later migrated to the Select Silver account in 2012. They pay a monthly fee for the account which offers various benefits in return... (3 pages)View decision -
Decision Reference DRN7743092
10 Mar 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs D says Lloyds Bank PLC mis-sold her a payment protection insurance (PPI) policy.backgroundMrs D bought a single premium PPI policy in June 2003 at the same time as taking out a personal loan. The loan and policy were sold during a branch meeting.Mrs D believes ... (2 pages)View decision -
Decision Reference DRN1373317
10 Mar 2016 Stonebridge International Insurance Ltd Not upheldInvestment and pensionsMr M complains that Stonebridge International Insurance Ltd has cancelled his Life Protection policy. our initial conclusionsOur adjudicator thought Stonebridge was entitled to cancel the policy. my final decisionI’ve considered all the available evidence and arguments to d... (2 pages)View decision -
Decision Reference DRN0113763
10 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMr R has complained that Lloyds Bank PLC (“Lloyds”) mis-sold him a Gold packaged bank account sometime before August 2001. backgroundOne of our adjudicators has looked into Mr R’s complaint already and they didn’t think that Lloyds mis-sold the packaged account to him. Mr... (3 pages)View decision -
Decision Reference DRN8633445
10 Mar 2016 ACE European Group Limited Not upheldInsurance (excluding PPI)Mr R has complained that ACE European Group Limited have not paid a claim he made under his Injury Cash Plus Plan.backgroundMr R lost consciousness whilst abroad in 2011 and as a result he fell and suffered head injuries. His claim for hospital benefit under the poli... (2 pages)View decision -
Decision Reference DRN7460164
10 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMrs D has complained about two packaged bank accounts sold to her by Barclays Bank Plc (Barclays).Mrs D has used a claims management company (CMC) to bring her complaint to us.backgroundMrs D had a free account with Barclays before upgrading to the Additions package... (3 pages)View decision -
Decision Reference DRN2866306
10 Mar 2016 Advantage Insurance Company Limited Not upheldInsurance (excluding PPI)Mr K has complained that Advantage Insurance Company Limited cancelled his policy as though it never existed and refused to pay his motor insurance claim.For ease I’ll refer to Advantage throughout this decision even though some of the actions were by one of its agen... (2 pages)View decision -
Decision Reference DRN2189457
10 Mar 2016 Cumberland Building Society Not upheldPayment protection insurance (PPI)Mr and Mrs G complain that Cumberland Building Society (“Cumberland”) mis-sold them a payment protection insurance (“MPPI”) policy.backgroundThis complaint is about a monthly premium MPPI policy taken out with a mortgage in 2008.Our adjudicator upheld the complaint. She ... (2 pages)View decision
