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 365917 results
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Decision Reference DRN8514055
5 Oct 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs L’s complaint is about the compensation paid to them by Bank of Scotland Plc (BoS) for a mis-sold payment protection insurance (PPI) policy.backgroundIn 2003 Mr and Mrs L took out a mortgage with BoS. At the same time they were sold a PPI policy. The ... (2 pages)View decision -
Decision Reference DRN4798222
5 Oct 2015 Secure Trust Bank Plc Not upheldPayment protection insurance (PPI)Mr and Mrs W complain that Secure Trust Bank Plc (Secure Trust) mis-sold them a Payment Protection Insurance (PPI) policy. backgroundIn 2001, during a meeting, Mr and Mrs W took out a PPI policy in connection with a One-bill account to manage their household bills... (3 pages)View decision -
Decision Reference DRN8745686
5 Oct 2015 Financial Insurance Company Limited UpheldPayment protection insurance (PPI)Mrs M complained that she was mis-sold a store card payment protection insurance (PPI) policy. Open Door has taken responsibility for this complaint.backgroundMrs M bought the policy in September 2004 when she took out a store card. FICL said that the sale took plac... (3 pages)View decision -
Decision Reference DRN6125265
5 Oct 2015 Bradford & Bingley Plc UpheldPayment protection insurance (PPI)Mr and Mrs M complain that Bradford & Bingley Plc (B&B) mis-sold them a mortgage payment protection insurance (MPPI) policy when they took out their mortgage.backgroundIn 1989 during a meeting with a B&B sales advisor Mr and Mrs B applied for a mortgage ... (3 pages)View decision -
Decision Reference DRN8558041
5 Oct 2015 Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mrs L complains that Bank of Scotland plc (“BoS”), mis-sold her a monthly premium payment protection insurance (PPI) policy.backgroundMrs L applied for a credit card with BoS in September 2006. She was sold the PPI policy in connection with this credit card on the te... (3 pages)View decision -
Decision Reference DRN1154356
5 Oct 2015 Ulster Bank Ltd Not upheldBanking and creditMs R has complained that she was mis-sold a packaged bank account by Ulster Bank Ltd (“Ulster”).backgroundMs R opened a fee-free account with Ulster in October 1995. She upgraded this to a U First account in September 2001. This was migrated to the U First Gold account... (2 pages)View decision -
Decision Reference DRN2164228
5 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs S have complained that National Westminster Bank Plc (NatWest) mis-sold an Advantage Gold packaged bank account in 2008. They pay a monthly fee for the account which offers several benefits in return.backgroundMrs S opened a sole fee free account with NatWe... (3 pages)View decision -
Decision Reference DRN1148219
5 Oct 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs G says The Royal Bank of Scotland Plc (“RBS”) mis-sold her a payment protection insurance (“PPI”) policy. Mrs G bought the policy in 2000 at the same time as taking out a credit card. backgroundHaving looked at the relevant information, I issued a provisional d... (2 pages)View decision -
Decision Reference DRN3570094
5 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMiss H has complained about a packaged bank account that National Westminster Bank Plc (“NatWest”) sold to her.backgroundMiss H originally opened a free account with NatWest, before upgrading to an “Advantage Gold” account in 2011. She paid a monthly fee for the a... (2 pages)View decision -
Decision Reference DRN0305957
5 Oct 2015 HSBC Bank plc Not upheldBanking and creditMiss R has complained that HSBC Bank Plc (“HSBC”) mis-sold a ‘Plus’, later ‘Advance’ packaged bank account to her in 2010. She paid a monthly fee for the account and could have used several benefits in return. The account was downgraded to a fee free one in 2012.... (2 pages)View decision
