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 DRN5211572
5 Jan 2016 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Mr B says Barclays Bank Plc (“Barclays”) mis-sold him a payment protection insurance (PPI) policy.backgroundI attach my provisional decision of 2 December 2015, which forms part of this final decision.In my provisional decision I set out why I didn’t intend to uphold M... (2 pages)View decision -
Decision Reference DRN5230923
5 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMiss S has complained that Bank of Scotland plc (trading as Halifax) mis-sold two Ultimate Reward Current Accounts (URCA) to her. She paid a monthly fee for the accounts which offered several benefits in return.BackgroundMiss S held two fee free accounts with Halifax... (2 pages)View decision -
Decision Reference DRN2753822
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs H complains that Bank of Scotland plc (“BoS”) mis-sold her mortgage payment protection insurance (“MPPI”) policies in 1997 and 2002.She feels she was pressured into buying the cover and that she did not need it.backgroundOur adjudicator explained to Mrs H why she... (3 pages)View decision -
Decision Reference DRN9681458
5 Jan 2016 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Mr and Mrs H complained that Tesco Personal Finance PLC (“Tesco”) mis-sold them a payment protection insurance (PPI) policy when they took out a credit card with Tesco.backgroundIn 2003, Mr H applied for a credit card by post and added Mrs H as an additional cardho... (3 pages)View decision -
Decision Reference DRN1846156
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs D say Bank of Scotland plc, then Leeds Permanent Building Society, mis-sold them a mortgage payment protection insurance (MPPI) policy. backgroundThis complaint is about a monthly premium MPPI policy Mr and Mrs D took out to protect their monthly mortgage re... (2 pages)View decision -
Decision Reference DRN8035097
5 Jan 2016 Santander UK Plc UpheldBanking and creditMr A complains that Santander UK Plc cancelled his overdraft without telling him, causing him to incur charges unexpectedly. He wants the charges to be refunded.backgroundMr A has an account with Santander. Until October 2014 he had an overdraft limit of £500, but then i... (3 pages)View decision -
Decision Reference DRN7411613
5 Jan 2016 Pearson Jones Plc Not upheldInvestment and pensionsMr Y has complained that Pearson Jones PLC (Pearson) should not have taken charges of £1,993.78 directly from his pension fund as he had not received the level of service expected. backgroundMr Y was a client of Pearson for many years. From around 2012 he became unha... (2 pages)View decision -
Decision Reference DRN2096009
5 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditMiss M complains about charges that Lloyds Bank PLC applied to her account between August 2010 and July 2015.background In July 2015 Miss M queried a monthly £10 fee that Lloyds had been charging her for five years. Lloyds told her that it was a fee for a service she... (2 pages)View decision -
Decision Reference DRN8217118
5 Jan 2016 The National Farmers' Union Mutual Insurance Society Limited Not upheldInsurance (excluding PPI)C, a commercial business, is represented by Mr L and others (I will refer to them as Mr L for simplicity). Mr L complained because The National Farmers’ Union Mutual Insurance Society Limited (“NFU”) reduced the settlement on C’s insurance claim.backgroundC has been... (3 pages)View decision -
Decision Reference DRN1331519
5 Jan 2016 HSBC Bank plc Not upheldBanking and creditMs L complains about a loan she had with HSBC Bank Plc (“HSBC”). Ms L also complains about the current accounts she held with HSBC and its handling of her complaints.backgroundMs L took out a loan to fund the purchase of her mother’s property. It was her intenti... (3 pages)View decision
