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 375119 results
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Decision Reference DRN9023214
6 Jan 2016 Canada Square Operations Limited UpheldPayment protection insurance (PPI)Mr M complains that he was mis-sold payment protection insurance (“PPI”) when he took out a credit card with Canada Square Operations Limited, trading as Egg.backgroundI set out the full background to this case in my provisional decision which I’ve attached here and fo... (3 pages)View decision -
Decision Reference DRN0492947
6 Jan 2016 Marks & Spencer Financial Services plc Not upheldPayment protection insurance (PPI)Mrs B complained she was mis-sold payment protection insurance (PPI) with a number of loans with Marks & Spencer Financial Services Plc (M&S). backgroundM&S agreed she had been mis-sold PPI and made an offer in July 2013 of £8,354.55.In August 2014 M&... (2 pages)View decision -
Decision Reference DRN3612543
6 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms K and Mr S say Bank of Scotland plc (trading as Halifax – “Halifax”) mis-sold them a payment protection insurance (“PPI”) policy.backgroundThis complaint is about a monthly premium PPI policy taken out with a secured loan in 2001. The PPI was taken out in Mr S’s n... (2 pages)View decision -
Decision Reference DRN0239084
6 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr J and Mrs S say Bank of Scotland plc (trading as Halifax) mis-sold them payment protection insurance (PPI).backgroundIn 2002, Mr J and Mrs S took out a Total Mortgage Protection Plan (TMPP) alongside their mortgage. The plan provided life and critical illness cov... (2 pages)View decision -
Decision Reference DRN5405698
6 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr A complains that Bank of Scotland plc trading as Halifax (“Halifax”) mis-sold him a total mortgage protection plan (“TMPP”).backgroundThe TMPP policy was part of a package. It included a payment protection insurance (“PPI”) policy which covered Mr A for accident, sick... (2 pages)View decision -
Decision Reference DRN1974517
6 Jan 2016 Santander UK Plc Not upheldInsurance (excluding PPI)Mr and Mrs C have complained that Santander UK Plc mistakenly cancelled their buildings insurance so that they had no cover from 1998.backgroundMr and Mrs C first took out their mortgage in 1991and arranged a ‘Homepack’ policy at the same time that included both build... (2 pages)View decision -
Decision Reference DRN7074391
6 Jan 2016 HSBC Bank plc UpheldInvestment and pensionsMr L complains on behalf of the trustees of a family trust about the standard of service provided by HSBC Bank Plc in 2012 and 2013. This has caused a loss of interest on the trust monies, and trouble and expense to the trustees. background One of our ad... (3 pages)View decision -
Decision Reference DRN2446691
6 Jan 2016 UK Insurance Limited UpheldInsurance (excluding PPI)Mr A and Mrs R complain about the way U K Insurance Limited dealt with their travel insurance claim after Mr A had an accident abroad. backgroundMr A and Mrs R had travel insurance with UKI linked to a bank account. In 2014 they travelled to Europe in their camperva... (3 pages)View decision -
Decision Reference DRN7120737
6 Jan 2016 Lloyds Bank General Insurance Limited Not upheldInsurance (excluding PPI)Mr S and Mrs K complain Lloyds Bank General Insurance Limited unfairly refused to pay their claim for damage to a roof.backgroundMr S and Mrs K made a claim for storm damage on their Lloyds buildings insurance. But Lloyds said the damage to their roof wasn’t caused ... (1 page)View decision -
Decision Reference DRN5236569
6 Jan 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMs S complains that an appointed representative of Legal & General Partnership Services Limited mis-sold her a mortgage.our initial conclusionsOur adjudicator didn’t think the complaint should be upheld. So Ms S’s representative asked for an ombudsman to review it.my... (2 pages)View decision
