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 DRN1860864
9 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMrs H complains that she was mis-sold two “Silver” packaged bank accounts by Lloyds Bank PLC. backgroundIn 2005 Mrs H opened a free account with Lloyds. This was upgraded to a Silver packaged account in 2007 and then downgraded to a free account in 2011. In 2012, M... (2 pages)View decision -
Decision Reference DRN3300835
9 Mar 2016 Inter Partner Assistance SA Not upheldInsurance (excluding PPI)Mr D is unhappy with the service received from Inter Partner Assistance SA (“IPA”) in relation to his home emergency insurance policy. backgroundMr D took out a policy with IPA in 2014 and it came out to carry out a first inspection of his boiler. The boiler was fou... (2 pages)View decision -
Decision Reference DRN6480919
9 Mar 2016 Connells Limited UpheldBanking and creditMr B and Miss L complain that Connells Limited didn’t tell them what information they would need to apply for a mortgage. They ask that it refunds the brokers fee, pays compensation and corrects their credit files.backgroundConnells applied for a mortgage on behalf of... (2 pages)View decision -
Decision Reference DRN4928932
9 Mar 2016 HSBC Bank plc Not upheldBanking and creditMr Y has complained that HSBC Bank Plc mis-sold an HSBC Plus packaged bank account (later rebranded to HSBC Advance) to him in 2008. He paid a monthly fee for the account, which offered a number of benefits in return.Mr Y has used a claims management company (CM... (2 pages)View decision -
Decision Reference DRN2301991
9 Mar 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss D complains that Provident Personal Credit Limited (Provident) sold her loans in November 2013 and March 2014 which were unaffordable.backgroundMiss D said Provident didn’t carry out sufficient checks to ensure the loans were affordable. She said had it carried out pro... (2 pages)View decision -
Decision Reference DRN8902593
9 Mar 2016 National Westminster Bank Plc Not upheldBanking and creditMr P complains that National Westminster Bank Plc made errors in forms sent to the Department of Work and Pensions (DWP). As a result, the DWP stopped making payments to his mortgage account. He asks for compensation.backgroundMr P has an offset mortgage with NatWest. I... (2 pages)View decision -
Decision Reference DRN2066952
9 Mar 2016 Unum Ltd Not upheldInsurance (excluding PPI)Mr N has complained that Unum Ltd has deducted an amount in respect of state long term incapacity benefit (“incapacity benefit”) when calculating the benefit payable to him under his employer’s income protection policy.backgroundMr N has the benefit of an income prot... (2 pages)View decision -
Decision Reference DRN7891307
9 Mar 2016 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mrs W complains that she was mis-sold a payment protection insurance (“PPI”) policy by St Andrew’s Insurance Plc (“St Andrew’s”)backgroundMrs W was sold a regular monthly premium PPI policy in 2006 to cover the repayments on her mortgage if she couldn’t work due to ... (2 pages)View decision -
Decision Reference DRN9708258
9 Mar 2016 St Andrew's Insurance plc UpheldPayment protection insurance (PPI)Mr S is unhappy with St Andrew’s Insurance Plc’s handling of his claims made under four separate payment protection insurance (PPI) policies, each relating to a credit card. He says he suffered extensive losses because it unfairly turned down his claims and didn’t even... (6 pages)View decision -
Decision Reference DRN4423580
9 Mar 2016 Bank of Scotland Plc UpheldBanking and creditMs B complains that Bank of Scotland plc (BOS) mis-sold her a mortgage that wouldn’t be paid off until after she’d retired and that the overpayment she made was used to reduce her monthly payments, rather than the term as she wanted.backgroundMs B spent some time on... (2 pages)View decision
