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 DRN1176030
5 Jan 2016 Santander UK Plc Not upheldInvestment and pensionsMrs T complains Santander UK Plc didn’t manage her fund correctly. She says the adviser told her the fund would mirror the performance of the FTSE100 index but it lost over £500 during a period when the FTSE 100 index was rising, and eventually reached its highest va... (2 pages)View decision -
Decision Reference DRN5944662
5 Jan 2016 Mapfre Asistencia, Compania Internacional De Seguros y Reaseguros, S.A. Not upheldInsurance (excluding PPI)Mr and Mrs H complain that Mapfre Asistencia, Compania Internacional De Seguros y Reaseguros S.A. gave them poor service under their travel insurance.backgroundMrs H was injured on holiday outside the European Union. She and her husband complained about the lack of respo... (2 pages)View decision -
Decision Reference DRN7977334
5 Jan 2016 Acromas Insurance Company Limited Not upheldInsurance (excluding PPI)Mrs W complains about the settlement of her motor insurance claim by Acromas Insurance Company Limited following a road traffic accident. background When Mrs W referred this complaint to the Financial Ombudsman Service, there were a number of aspects to it, including: ... (3 pages)View decision -
Decision Reference DRN2470680
5 Jan 2016 ReAssure Limited Not upheldInvestment and pensionsMs S is being represented by a claims management company. She’s complaining about ReAssure Limited because she says she was mis-sold an endowment savings plan. Her representative says the policy was unsuitable, particularly because she didn’t need the life cover it provi... (2 pages)View decision -
Decision Reference DRN2454934
5 Jan 2016 Premier Financial Ltd UpheldInvestment and pensionsMr and Mrs G are being represented by a claims management company. They’re complaining about Premier Financial Ltd because they say they were wrongly advised to cash in an existing investment to fund a new investment bond.backgroundFollowing discussions with an adviser... (3 pages)View decision -
Decision Reference DRN5975771
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr T complains that Bank of Scotland plc, trading as “Halifax” mis-sold him a mortgage payment protection insurance (“MPPI”) policy in 1994.He feels he was made to take it to secure the mortgage.backgroundOur adjudicator explained why she did not think that the complain... (2 pages)View decision -
Decision Reference DRN7069111
5 Jan 2016 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mr K isn’t happy with St Andrew’s Insurance Plc’s handling of his claim for unemployment benefits made under a payment protection insurance policy and his later complaint.backgroundMr K sent St Andrew’s his claim form in July 2014. St Andrew’s asked Mr K for more inform... (2 pages)View decision -
Decision Reference DRN3761582
5 Jan 2016 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mr K isn’t happy with St Andrew’s Insurance Plc’s decision to not pay his claim for unemployment benefits made under a payment protection insurance policy.backgroundMr K sent St Andrew’s his claim form in July 2014. St Andrew’s asked Mr K for more information which had... (2 pages)View decision -
Decision Reference DRN5611966
5 Jan 2016 Ageas Insurance Limited UpheldInsurance (excluding PPI)Mr H complains that Ageas Insurance Limited should pay his claim on his travel insurance.backgroundMr H booked a holiday. But – shortly before he was due to go – the tour operator became insolvent. As it was protected by an industry scheme, Mr H got back what h... (1 page)View decision -
Decision Reference DRN5833882
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs M complain that Bank of Scotland plc trading as Halifax (“Halifax”) mis-sold them a monthly premium payment protection insurance policy in 1992 alongside a mortgage.backgroundAlthough the mortgage was in joint names, the policy covered Mr M only for accident... (2 pages)View decision
