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 DRN0277173
5 Jan 2016 Dominic James Barry UpheldInvestment and pensionsMr N has complained about advice given by Dominic James Barry T/A BlueInfinitas (DJB) about investing his self invested personal pension (SIPP). backgroundMr N came into contact with DJB in 2013. Mr N was happy to receive retirement planning advice from DJB. Mr N was... (5 pages)View decision -
Decision Reference DRN8237617
5 Jan 2016 Unum Ltd Not upheldInsurance (excluding PPI)Ms J complains about Unum Ltd’s decision to turn down a claim made under her employer’s group income protection policy. backgroundMs J was a member of her employer’s income protection policy. The policy would pay an income if Ms J wasn’t able to carry out her occupa... (2 pages)View decision -
Decision Reference DRN3766569
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr C says Bank of Scotland plc (trading as Halifax – “Halifax”) mis-sold him a payment protection insurance (“PPI”) policy.backgroundThis complaint is about a monthly premium PPI policy taken out with a mortgage in 1999.I’m aware that Mr C also complained about a PPI p... (2 pages)View decision -
Decision Reference DRN8515664
5 Jan 2016 Lloyds Bank PLC UpheldInvestment and pensionsMr and Mrs D complain Lloyds Bank PLC (Lloyds) mis-sold them two Scottish Widows Capital Protected Funds (SWCP).backgroundThe background and circumstances of this complaint are set out within my provisional decision of 2 December 2015. A copy of this is attached and fo... (7 pages)View decision -
Decision Reference DRN3124015
5 Jan 2016 W E Bedford Insurance Services (Wimbledon) Ltd Not upheldInsurance (excluding PPI)Mr L has complained that W E Bedford Insurance Services (Wimbledon) Ltd provided poor customer service when arranging his commercial van insurance. He says that as a result he lost his no claims bonus (NCB).backgroundMr L took out van insurance online. Bedford contacted... (2 pages)View decision -
Decision Reference DRN8629437
5 Jan 2016 National Westminster Bank Plc Not upheldBanking and creditMr L complained because National Westminster Bank plc delayed processing a CHAPS payment.backgroundMr L, who was abroad, asked NatWest how to process a payment of £100,000. He wanted to make a foreign exchange transaction with it. He was told to send a fax asking for a ... (3 pages)View decision -
Decision Reference DRN1649983
5 Jan 2016 Amtrust Europe Limited UpheldInsurance (excluding PPI)Mr G’s complaint is that Amtrust Europe Limited hasn’t properly dealt with a claim made under his building warranty. backgroundI issued my provisional decision on 27 November 2015, a copy of which is attached and forms part of this final decision. In that decision, I ... (3 pages)View decision -
Decision Reference DRN9954664
5 Jan 2016 Bradford & Bingley Plc Not upheldInvestment and pensionsMrs C complains Bradford & Bingley Plc (B & B) wrongly advised her to place a PrudentialPrudence Bond in a Flexible Trust, due to the tax liability she faced upon encashment.background The background and circumstances of this complaint are set out within my prov... (3 pages)View decision -
Decision Reference DRN9434427
5 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditMrs S complains that Lloyds Bank plc didn’t update information on her credit file and the only car loan she could get was much more expensive than it would’ve been otherwise. Lloyds paid Mrs S £325 compensation by way of apology to reflect its handling of this mat... (1 page)View decision -
Decision Reference DRN6488071
5 Jan 2016 The Prudential Assurance Company Limited Not upheldInvestment and pensionsMr S complains that the way The Prudential Assurance Company Limited (Prudential) set up his pension policies led to him paying higher charges. He also complains that Prudential led him to believe he had to take out life assurance cover, when he didn’t.backgroundI issued... (5 pages)View decision
