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 365360 results
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Decision Reference DRN4338385
30 Sep 2015 Aviva Life Services UK Limited UpheldInsurance (excluding PPI)Mr and Mrs R have complained that they were mis-sold income protection insurance for Mrs R by Aviva Life Services UK Limited in 2005. backgroundMr and Mrs R purchased mortgage protection insurance from Aviva in 2005. The insurance included income protection for Mrs... (2 pages)View decision -
Decision Reference DRN6167162
30 Sep 2015 Financial Insurance Company Limited Not upheldPayment protection insurance (PPI)Mrs D complains she was mis-sold payment protection insurance (‘PPI’) when she took out a store card. It’s been agreed in this case that Financial Insurance Company Limited (‘FICL’) as the insurer should accept responsibility for the complaint. To keep things simple ... (2 pages)View decision -
Decision Reference DRN5050645
30 Sep 2015 Financial Insurance Company Limited UpheldPayment protection insurance (PPI)Mrs R complains she was mis-sold payment protection insurance (‘PPI’).It’s been agreed in this case that Financial Insurance Company Limited (‘FICL’) as theinsurer should accept responsibility for the complaint. To keep things simple I’ll refer to FICL in my decision... (3 pages)View decision -
Decision Reference DRN1482988
30 Sep 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr G raised an administration complaint against Capital One (Europe) plc with regard to his payment protection (“PPI”) policy on his credit card.backgroundMr G had several issues with his PPI policy. He complains that Capital One issued him with a new credit card in 2... (3 pages)View decision -
Decision Reference DRN5770430
30 Sep 2015 Financial Insurance Company Limited Not upheldPayment protection insurance (PPI)Mr Y complains that Financial Insurance Company Limited (“FICL”) mis-sold him a payment protection insurance (PPI) policy in 2004.It’s been agreed in this case that Financial Insurance Company Limited (‘FICL’) as the insurer should accept responsibility for the compla... (2 pages)View decision -
Decision Reference DRN0849114
30 Sep 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMiss H and Mr K say that The Royal Bank of Scotland Plc (RBS) will not reduce the monthly repayments on their loan. They would like this to happen without having an impact on their credit file.backgroundMiss H and Mr K have a loan with RBS. In 2014, Miss H started ... (2 pages)View decision -
Decision Reference DRN5216903
30 Sep 2015 Bank of Scotland Plc UpheldBanking and creditMr C says that he was not able to register for a mobile banking app. He would like the Bank of Scotland Plc (trading as Halifax) to compensate him for his time and for a written explanation as to what went wrong.background In March 2015, Mr C tried to register for a... (2 pages)View decision -
Decision Reference DRN1462966
30 Sep 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs L bring a complaint on behalf of P, a partnership. They complain that The Royal Bank of Scotland Plc (RBS) gave P bad advice to sell a property and applied unfair interest and fees to P’s borrowing.backgroundIn 2006 P took a three year loan from RBS to ... (2 pages)View decision -
Decision Reference DRN3487888
30 Sep 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr A and Mrs S complain that they were mis-sold a Total Mortgage Protection Plan (“TMPP”) by Bank of Scotland plc, trading as Halifax.backgroundMr A and Mrs S applied for a mortgage with the Halifax in 2002. They were also sold a TMPP policy which contained payment ... (3 pages)View decision -
Decision Reference DRN7920756
30 Sep 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs H complain that Bank of Scotland Plc (trading at the time of sale as “Halifax”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy in 2001.backgroundMr and Mrs H bought a MPPI policy which started in March 2001 to protect their mortgag... (2 pages)View decision
