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 DRN4786963
30 Nov 2015 Aviva Insurance Limited Not upheldInsurance (excluding PPI)Miss S complains that Aviva Insurance Limited hasn’t paid her claim for a stolen mobile phone. backgroundMiss S’s bag containing her phone was stolen from an unlocked lorry. The lorry was parked in a secure, private parking area. Miss S telephoned Aviva to make a clai... (1 page)View decision -
Decision Reference DRN9963524
30 Nov 2015 In2 Consulting Limited UpheldInvestment and pensionsMr H complains that In2 Consulting Limited mis-sold him investments in a number of funds held within an offshore bond. He says they exposed him to more risk than he wanted and have caused him a significant loss. He isn’t satisfied with the compensation In2 offered.bac... (6 pages)View decision -
Decision Reference DRN8049851
30 Nov 2015 Stonebridge International Insurance Ltd Not upheldInsurance (excluding PPI)Mr S complains about the sale of an accidental death policy by Stonebridge International Insurance Ltd. He says he didn’t agree to take out the policy and had no knowledge of it. our initial conclusionsOur adjudicator didn’t uphold the complaint. She thought the evidence... (2 pages)View decision -
Decision Reference DRN8071148
30 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs B complain that Bank of Scotland plc (trading as Halifax – “Halifax”) mis-sold them an Ultimate Reward Current Account (“URCA”) in 2010. They paid a monthly fee for the account, which offered them several benefits in return. Mr and Mrs B downgraded to a fe... (3 pages)View decision -
Decision Reference DRN8057445
30 Nov 2015 HSBC Bank plc Not upheldBanking and creditMr W has complained that HSBC Bank Plc mis-sold an HSBC Plus packaged bank account to him in 2006. The account was later rebranded to an HSBC Advance account. Mr W paid a monthly fee for the account which offered several benefits in return. He switched his packaged a... (3 pages)View decision -
Decision Reference DRN0201960
30 Nov 2015 Santander UK Plc Not upheldInvestment and pensionsMrs H, on behalf of the estate of her late mother, Mrs M, complains that Santander UK Plc mis-sold an investment plan.backgroundThe late Mrs M met with an advisor from the bank in May 2002. The fact find shows she was in her mid 70s and divorced. She had no debts ... (3 pages)View decision -
Decision Reference DRN5030243
30 Nov 2015 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mrs T says that Barclays Bank plc (Barclays) mis-sold her a single premium payment protection insurance (PPI) policy with a loan.backgroundBarclays sold Mrs T the PPI with a loan in 2008. The policy provided life cover.Our adjudicator upheld Mrs T’s complaint. Barcl... (2 pages)View decision -
Decision Reference DRN9137163
30 Nov 2015 Abbey Life Assurance Company Limited Not upheldInvestment and pensionsMr S complains, through a claims management company (CMC), he was mis-sold a whole- of-life policy (WOL) by Abbey Life Assurance Company Limited because he only wanted critical illness cover (CIC). And Abbey didn’t discuss alternatives, establish his attitude to risk ... (4 pages)View decision -
Decision Reference DRN0505561
30 Nov 2015 Creation Consumer Finance Ltd UpheldBanking and creditMr L complains that Creation Consumer Finance Limited, trading as Creation, will not cancelhis loan agreement and remove the solar panel system which he believes was mis-sold tohim. The complaint is brought on his behalf by his wife. But for ease, I shall refer b... (6 pages)View decision -
Decision Reference DRN8558072
30 Nov 2015 Waveney Insurance Brokers (Commercial) Limited Not upheldInsurance (excluding PPI)Miss F, on behalf of business “R”, has complained that Waveney Insurance Brokers (Commercial) Limited failed to make R aware that it had to trade using certain terms. It didn’t use these terms and its insurer avoided its policy (treated it as though it had never... (2 pages)View decision
