Ombudsman decisions

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• Decision Reference DRN4340258

  30 Nov 2015 Scottish Equitable Plc Not upheld

  Investment and pensions
  Mrs M has complained about the investment of her pension fund in Scottish Equitable Plc’s Ethical Fund. She also believes that they didn’t tell her that she could transfer her policy to another provider. backgroundMrs M met with an independent financial advisor in 1993... (2 pages)
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• Decision Reference DRN0681739

  30 Nov 2015 Lloyds Bank PLC Upheld

  Banking and credit
  Mr M, represented by his solicitor, complains that Lloyds Bank PLC provided him with poor service and that the compensation offered for this was not enough.background Mr M was told that adverse information would be removed from his credit file but says a default was ... (2 pages)
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• Decision Reference DRN2507512

  30 Nov 2015 Acromas Insurance Company Limited Upheld

  Insurance (excluding PPI)
  Ms M complained that Acromas Insurance Company Limited’s approved repairing garage damaged her car while repairing it after she made a claim under her motor insurance policy.backgroundAfter Ms M had an accident Acromas accepted her claim and arranged for her car to... (2 pages)
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• Decision Reference DRN0307828

  30 Nov 2015 Capital One (Europe) plc Not upheld

  Banking and credit
  Mr H complains that he has been the victim of identity fraud and he has not made any credit applications to Capital One (Europe) plc.backgroundThe complaint has been brought on behalf of Mr H. His representative says that Mr H does not have the capacity to apply f... (1 page)
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• Decision Reference DRN5071877

  30 Nov 2015 TSB Bank plc Not upheld

  Banking and credit
  A complaint has been brought on behalf of a limited company “S”. The director says that TSB Bank plc will not refund payments of £14,000 that S did not make.backgroundThe adjudicator did not recommend that the complaint be upheld. She said that:- The director ha... (1 page)
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• Decision Reference DRN1219677

  30 Nov 2015 Lloyds Bank PLC Not upheld

  Banking and credit
  Miss L complains that Lloyds Bank PLC will not refund payments she says she did not make.backgroundThe payments took place on 8 April 2015. One was for £100, made either by telephone or online before 8 o’clock in the morning, and the other a cashpoint withdrawa... (2 pages)
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• Decision Reference DRN9155471

  30 Nov 2015 Ageas Retail Limited Not upheld

  Insurance (excluding PPI)
  Mr M has complained that Ageas Retail Limited (trading as RIAS) failed to explain its policy on no claim discounts (NCD) to him when he bought his motor insurance policy.backgroundMr M had already accumulated many years of NCD with other insurers when he took out a p... (2 pages)
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• Decision Reference DRN0930865

  30 Nov 2015 Hitachi Capital (UK) Plc Upheld

  Banking and credit
  Hitachi Capital (UK) Plc (“Hitachi”) loaned Mrs S money to buy a car. The car quickly developed a number of problems. Mrs S says Hitachi should pay for these under section 75 of the Consumer Credit Act 1974. Hitachi says the problems weren’t faults but were reasona... (3 pages)
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• Decision Reference DRN3632720

  30 Nov 2015 Barclays Bank Plc Not upheld

  Banking and credit
  Mr G complains about the unfair level of bank charges applied to his current account by Barclays Bank PLC.backgroundMr G said he originally raised a complaint in 2007. Barclays has no record of this but said that all the charges applied to his account before it was clo... (1 page)
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• Decision Reference DRN5893700

  30 Nov 2015 The Royal Bank of Scotland Plc Not upheld

  Banking and credit
  Mr M complains The Royal Bank of Scotland plc failed to update his credit record after he had been discharged from bankruptcy. And has now offered inadequate compensation.backgroundMr M had five credit card accounts with the bank.Mr M was declared bankrupt in 2009.... (2 pages)
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