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 381196 results
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Decision Reference DRN7671323
9 Mar 2016 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc allowed a third party to take money from his business account. As a result it exceeded its overdraft limit and charges were applied. He asks that NatWest refunds all fees and charges and pays compensation. backgroundMr... (2 pages)View decision -
Decision Reference DRN4035590
9 Mar 2016 WDFC UK Limited UpheldBanking and creditMr J complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper affordability checks and irresponsibly lent him unaffordable payday loans. They worsened his financial position. He wants the interest and charges refunded. And his credit file amended.Wonga ... (2 pages)View decision -
Decision Reference DRN0002328
9 Mar 2016 WDFC UK Limited UpheldBanking and creditMiss G complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper affordability checks and irresponsibly granted her unaffordable payday loans. She wants the charges and interest refunded and her credit file amended.Wonga said in its final response that... (2 pages)View decision -
Decision Reference DRN0327556
9 Mar 2016 National Westminster Bank Plc Not upheldBanking and creditMr A has complained about a packaged bank account sold to him by National Westminster Bank Plc (“NatWest” or “the bank”). Mr A has used a claims management company (CMC) to bring his complaint to us. backgroundNatWest has told us that Mr A opened a packaged account ... (2 pages)View decision -
Decision Reference DRN5611081
9 Mar 2016 Nationwide Building Society UpheldPayment protection insurance (PPI)Mrs S says Nationwide Building Society mis-sold her a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 2001. The policy was added to Mrs S’s credit card account when she applied for the card. It looks ... (2 pages)View decision -
Decision Reference DRN3520376
9 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss M says Bank of Scotland plc (“Bank of Scotland”) mis-sold her payment protection insurance (‘PPI’).backgroundMiss M took out a credit card with Bank of Scotland in 1995, purchasing PPI alongside the card to protect her repayments in the event of accident, sickness... (2 pages)View decision -
Decision Reference DRN7192224
9 Mar 2016 Aldermore Bank Plc Not upheldBanking and creditMr and Mrs D complain that Aldermore Bank Plc turned down their mortgage application after agreeing it in principle.backgroundAfter issuing its decision in principle, Aldermore turned down Mr and Mrs D’s mortgage application. Mr and Mrs D had paid a holding deposit to t... (2 pages)View decision -
Decision Reference DRN1907063
9 Mar 2016 Phoenix Life Limited Not upheldInvestment and pensionsMr S’ representative complains on his behalf that he was mis-sold a reviewable whole-of-life policy by Phoenix Life Limited for the following reasons:-he wasn’t made aware of the reviewable nature of the policy-the policy wasn’t suitable for his circumstances at the ... (3 pages)View decision -
Decision Reference DRN4772387
9 Mar 2016 Bank of Scotland Plc UpheldBanking and creditMr S’s complaint is that Bank of Scotland plc (trading as Halifax) gave him incorrect information about how a lump sum payment to his mortgage would affect his monthly payment. backgroundMr S has a mortgage with Halifax, which has three sub-accounts. Mr S made a lump sum... (2 pages)View decision -
Decision Reference DRN0850533
9 Mar 2016 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr S and Mrs G have complained that UK Insurance Limited (UKI) have declined a claim they made on their home insurance policy for flood damage.backgroundIn 2012 Mr S and Mrs G made a claim for damage to their drive and tennis court. When UKI was assessing the clai... (3 pages)View decision
