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 371632 results
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Decision Reference DRN3446762
27 Nov 2015 Clydesdale Bank Plc Not upheldBanking and creditMrs S complains that her mortgage with Clydesdale Bank Plc should have completed by now.background Mrs S got a mortgage with Clydesdale. As she had an endowment policy maturing of £30,000, she wanted to clear her mortgage balance with that and she was told she could ... (2 pages)View decision -
Decision Reference DRN9372162
27 Nov 2015 St Andrew's Insurance plc Not upheldPayment protection insurance (PPI)Mr M complains that Halifax Insurance Ireland Ltd (Halifax Insurance) did not treat him fairly as it did not progress and pay out the claim he made on a credit card repayment insurance policy. To resolve his complaint Mr M wants Halifax Insurance to pay his claim a... (2 pages)View decision -
Decision Reference DRN1819374
27 Nov 2015 Aberdeen Mortgage Management UpheldPayment protection insurance (PPI)Mr C has complained that he was mis-sold two payment protection insurance (“PPI”) policies by Aberdeen Mortgage Management (“AMM”).backgroundMr C took out a 24 year mortgage in November 2006 for £74,834. The mortgage was arranged by AMM, acting as mortgage brokers, and ... (4 pages)View decision -
Decision Reference DRN5912670
27 Nov 2015 J.P. Morgan Europe Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mrs H either to accept or reject my decision before 29 December 2015. Janet Millington ombudsman at the Financial Ombudsman ServicecomplaintMrs H complains that she received £100 less than she shou... (2 pages)View decision -
Decision Reference DRN9977439
27 Nov 2015 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc unfairly rejected a claim he made under Section 75 of the Consumer Credit Act (CCA). He wanted to recover the cost of a course that was misrepresented to him. And the bank failed to tell him about its decision for six weeks.our ini... (2 pages)View decision -
Decision Reference DRN8826040
27 Nov 2015 TSB Bank plc Not upheldBanking and creditMs M has complained that TSB Bank plc (“TSB”) mis-sold her a packaged bank account. She paid a monthly fee for the account which provided several benefits in return.backgroundOne of our adjudicators has looked into Ms M’s complaint already. The adjudicator didn’t thin... (2 pages)View decision -
Decision Reference DRN3488308
27 Nov 2015 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Mr and Mrs G say Secure Trust Bank Plc (“Secure Trust”) mis-sold them a payment protection insurance (“PPI”) policy for Mr G.backgroundIn 1983 Mr and Mrs G opened a joint OneBill account with Secure Trust to manage their household bills. They applied for the account... (3 pages)View decision -
Decision Reference DRN7141705
27 Nov 2015 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Ms M and Mr P say Secure Trust Bank Plc (“Secure Trust”) mis-sold them a payment protection insurance (“PPI”) policy.backgroundIn 2000 Ms M and Mr P opened a joint OneBill account with Secure Trust to manage their household bills. They applied for the account durin... (3 pages)View decision -
Decision Reference DRN0230128
27 Nov 2015 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Mr J complains that he was mis-sold a payment protection insurance (“PPI”) policy when he took out a loan with Barclays Bank Plc (“Barclays”). backgroundIn 2000 Mr J took out a loan with Barclays. At the same time he was sold a single premium PPI policy which would’ve ... (2 pages)View decision -
Decision Reference DRN4886648
27 Nov 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs M have complained that Lloyds Bank PLC (Lloyds) mis-sold two packaged bank accounts to them - the Select account followed by the Silver account. They paid a monthly fee for the accounts which offered several benefits in return.backgroundOne of our adjudi... (2 pages)View decision
