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 DRN2859787
5 Jan 2016 Openwork Limited UpheldInvestment and pensionsMr S has complained that he received unsuitable advice from Openwork Limited to transfer three of his pensions. He said he wasn’t transferred to a Self Invested Personal Pension (SIPP) and also lost a valuable Guaranteed Annuity Rate (GAR). backgroundMr S went to Openwo... (4 pages)View decision -
Decision Reference DRN1841160
5 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs O complain that Lloyds Bank PLC (“Lloyds”) mis-sold them a packaged bank account.backgroundLloyds has told us Mr and Mrs O opened an account in 1995. Due to the passage of time, Lloyds can’t confirm whether the account was opened as a Gold Service account... (3 pages)View decision -
Decision Reference DRN9943209
5 Jan 2016 Nationwide Building Society UpheldPayment protection insurance (PPI)Mr B complains that he was mis-sold two payment protection insurance (PPI) policies by Nationwide Building Society.backgroundMr B took out loans with Nationwide in July 2001 and December 2001. With both loans, Mr B was also sold a PPI policy. The cost of the PPI was... (3 pages)View decision -
Decision Reference DRN5214791
5 Jan 2016 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Mrs F complains that Barclays Bank Plc (Barclays) mis-sold her a single premium payment protection insurance (PPI) policy when she took out a personal loan.backgroundDuring a meeting in 2000 Mrs F took out a 5 year loan with Barclays. At the same time she was sold a s... (2 pages)View decision -
Decision Reference DRN7226457
5 Jan 2016 HSBC Bank plc UpheldBanking and creditMr and Mrs L complain that HSBC Bank Plc mis-sold them a packaged HSBC Plus account in 2009. It later became the Advance account.backgroundMr L had held a sole account with HSBC for a number of years before 2009. He and his wife wanted to open a joint account an... (3 pages)View decision -
Decision Reference DRN8779081
5 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMs B complains about the service she received from Bank of Scotland plc trading as Halifax whilst she has been in arrears on the mortgage she has with it.backgroundMs B has a mortgage with Halifax which is in joint names with her ex-partner Mr A. They separated s... (3 pages)View decision -
Decision Reference DRN5753456
5 Jan 2016 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Mr M complains that Barclays Bank Plc (Barclays) mis-sold him a single premium payment protection insurance (PPI) policy when he took out a personal loan.backgroundDuring a meeting in 2000 Mr M took out a 5 year loan with Barclays. At the same time he was sold a single... (2 pages)View decision -
Decision Reference DRN4412870
5 Jan 2016 Financial Insurance Company Limited UpheldPayment protection insurance (PPI)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 I’ll refer to FICL in my decision.Mrs E complains that FICL mis-sold her a payment protection insuran... (5 pages)View decision -
Decision Reference DRN3663925
5 Jan 2016 Aviva Insurance Limited Not upheldInsurance (excluding PPI)Mr and Mrs N complain that Aviva Insurance Limited turned down their travel insurance claim.backgroundMr and Mrs N have travel insurance with Aviva, linked to a bank account. In 2012 they’d booked a week in a holiday cottage in a different part of the UK, and were p... (2 pages)View decision -
Decision Reference DRN5444003
5 Jan 2016 Ageas Insurance Limited Not upheldInsurance (excluding PPI)Mr and Mrs A, following a claim on their house insurance, are unhappy with its provider, Ageas Insurance Limited.background Mr and Mrs A found a leak. They made a claim to Ageas and lots of things went wrong. I issued a provisional decision on their complaint and Ag... (6 pages)View decision
