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 371633 results
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Decision Reference DRN3987814
30 Nov 2015 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr and Mrs U complain that U K Insurance Limited (“UKI”) refused a claim on their legal expenses insurance policy.backgroundMrs U made a claim to UKI for legal cover to pursue a nuisance claim. UKI referred the claim to one its panel solicitors to consider. Due to... (2 pages)View decision -
Decision Reference DRN3672921
30 Nov 2015 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr J and Mr W complain about bank charges and unpaid item fees charged to them by Lloyds Bank PLC.backgroundMr J and Mr W had a number of loans with Lloyds Bank Plc. Some were in Mr W’s sole name but some were joint loans. The first loan was taken out in 2001. It w... (3 pages)View decision -
Decision Reference DRN5975895
30 Nov 2015 Automobile Association Insurance Services Limited UpheldInsurance (excluding PPI)Mr R complains that Automobile Association Insurance Services Limited should refund its charges for breakdown repair insurance cover (BRC).background Mr R complains that AA applied BRC without his consent – and debited his account for several years.The adjudicator recommen... (2 pages)View decision -
Decision Reference DRN4264369
30 Nov 2015 St Andrew's Life Assurance Plc Not upheldInsurance (excluding PPI)Mrs D’s complaint concerns her claim for total and permanent disability (“TPD”) benefit under a Total Mortgage Protection Plan (“TMPP”). She thinks that St Andrew’s Life Assurance Plc should not have declined the claim. backgroundMrs D took out a TMPP in 2006 for a term ... (2 pages)View decision -
Decision Reference DRN5794765
30 Nov 2015 Coventry Building Society Not upheldBanking and creditMiss S complains that Coventry Building Society (“Coventry”) mishandled her ISA transfer request.backgroundIn 2015, Miss S opened an ISA online with Coventry. She wanted to transfer in an ISA from another building society, C. As C doesn’t subscribe to the electronic... (2 pages)View decision -
Decision Reference DRN2056583
30 Nov 2015 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr G and Miss G have complained about U K Insurance Limited (UKI) as they feel its contractor stole some items from their home or at least left it unsecured. They also feels a bedroom ceiling wasn’t repaired as required. Mr G has mostly corresponded on this complain... (2 pages)View decision -
Decision Reference DRN6662827
30 Nov 2015 Financial Services Advice and Support Limited UpheldInvestment and pensionsThe executors of Mr G’s estate complain that IRP Wealth Planning LLP (“IRP”), an appointed representative Financial Services Advice and Support Limited, gave Mr G unsuitable advice to invest in the BCBA Stage 1 Enterprise Investment Scheme (“the BCBA EIS”). The executors... (6 pages)View decision -
Decision Reference DRN7600040
30 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (BOS) hasn’t explained why the outstanding balance on his mortgage is so high. He finds the information it’s provided about the payments he needs to make confusing. He would like BOS to reduce the balance to the original £35,1... (2 pages)View decision -
Decision Reference DRN9283863
30 Nov 2015 The Prudential Assurance Company Limited UpheldInvestment and pensionsMr O complains about the income choice plan recommended by The Prudential Assurance Company Limited (“Prudential”). He says by not being advised to take maximum income at onset he has been financially disadvantaged as that maximum level has now reduced. He also says P... (2 pages)View decision -
Decision Reference DRN8053428
30 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr and Mrs W complain that Barclays Bank PLC sold them a Packaged Bank Account (PBA) on the basis it included an interest-free overdraft, which it didn’t.backgroundMr and Mrs W say they opened a PBA in 1999 because they were told it included a £5,000 free overdraft... (2 pages)View decision
