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 DRN0706628
5 Jan 2016 Sun Life Assurance Company of Canada (U.K.) Limited Not upheldInvestment and pensionsMs C has complained that Sun Life Assurance Company of Canada (U.K.) Limited (‘SLoC’) mis-sold her a Free-Standing Additional Voluntary Contributions (‘FSAVC’) policy, because it failed to refer her to her employer’s pension scheme for full details of the in-house optio... (2 pages)View decision -
Decision Reference DRN2121125
5 Jan 2016 Positive Solutions (Financial Services) Limited UpheldInvestment and pensionsMrs A, represented by a Claims Management Company (CMC), complained about advice she had received from Positive Solutions (Financial Services) Limited to invest into a stocks and shares ISA, in a protected fund. In 2007, she was advised to start monthly contributions o... (6 pages)View decision -
Decision Reference DRN5084818
5 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr B complains Bank of Scotland PLC has recorded incorrect information on his credit file since 2010.background Bank of Scotland has admitted it recorded incorrect information on Mr B’s credit file. The adjudicator was satisfied the error had now been amended as she... (2 pages)View decision -
Decision Reference DRN3036667
5 Jan 2016 Intrinsic Mortgage Planning Ltd Not upheldBanking and creditMr R, as executor for his late father’s estate, complains that Intrinsic Mortgage Planning Ltd (Intrinsic), mis-advised his father when he took out an equity release mortgage.backgroundIn 2010, Mr R’s father, took out an equity release mortgage with Intrinsic. He co... (3 pages)View decision -
Decision Reference DRN8418193
5 Jan 2016 Friends Life Services Limited Not upheldInvestment and pensionsMr and Mrs L have complained about two reviewable whole-of-life assurance policies sold by Friends Life Services Limited in 1992. They say the policies were unsuitable because their recorded objective was to protect their mortgage in the event of death or critical illnes... (3 pages)View decision -
Decision Reference DRN6668788
5 Jan 2016 Barclays Bank Plc Not upheldBanking and creditK, a company, sent a payment for £4,646.86 to an account of a third party, which is held with Barclays Bank Plc. The payment was due to be made to genuine suppliers of K. But the supplier's e-mail was compromised by fraudsters who posed as the supplier and t... (3 pages)View decision -
Decision Reference DRN7557148
5 Jan 2016 Barclays Bank Plc Not upheldBanking and creditMs B complains that Barclays Bank Plc mis-sold her an Additions packaged bank account.backgroundAs Ms B’s complaint to Barclays wasn’t resolved to her satisfaction she brought it to this Service. One of our adjudicators has already looked into it and recommended th... (3 pages)View decision -
Decision Reference DRN7421552
5 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr C complains about the service he has received from Bank of Scotland plc (trading as Halifax) and the interest rate on his mortgage.backgroundMr and Mrs C had a mortgage with Halifax. By 2011 the mortgage was in substantial arrears and various payment arrangements wer... (5 pages)View decision -
Decision Reference DRN3705839
5 Jan 2016 TSB Bank plc Not upheldBanking and creditMr B complains TSB Bank Plc won’t refund a large amount of money that was taken from his account and used for gambling. He says he didn’t spend the money – or allow anybody else to do it for him. Mr B wants TSB to refund the money.backgroundMr B says he lost ... (2 pages)View decision -
Decision Reference DRN9559051
5 Jan 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs B say that Bank of Scotland plc (BoS) mis-sold them mortgage payment protection insurance (PPI).backgroundMr and Mrs B took out a mortgage with BoS in 2005. At the same time they bought monthly premium PPI to cover their repayments if they’d been unable to... (3 pages)View decision
