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 DRN6053751
9 Mar 2016 Bank of Scotland Plc UpheldBanking and creditMs S complains that Bank of Scotland plc (trading as Halifax) gave her sisters confidential information about her joint account and her son’s account.backgroundMs S had a joint account with her late father. Her son also has an account with the same bank. Ms S says that... (4 pages)View decision -
Decision Reference DRN4498155
9 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr G has complained that Vanquis Bank Limited increased his credit limit without his authority, resulting in him overspending and incurring fees and charges.backgroundVanquis wrote to Mr G to say it would be increasing his credit limit from £250 to £500. It asked h... (1 page)View decision -
Decision Reference DRN9453350
9 Mar 2016 Barclays Bank Plc Not upheldBanking and creditThis complaint is about the new mortgage Mr and Mrs A took out with Barclays Bank Plc in 2015. They say that uncertainty about the expiry date of the mortgage offer forced them to apply for a bridging loan, to avoid the risk of losing their deposit. In the end ... (2 pages)View decision -
Decision Reference DRN2091098
9 Mar 2016 Bluefin Insurance Services Limited Not upheldInsurance (excluding PPI)Mr and Mrs B have complained that Bluefin Insurance Services Limited failed to ensure sickness cover was included in their farm combined insurance policy when it renewed in July 2012.backgroundMr and Mrs B have used the same insurance advisor for over 10 years. So a... (2 pages)View decision -
Decision Reference DRN1296086
9 Mar 2016 DSG International Holdings Limited Not upheldPayment protection insurance (PPI)Mr C says DSG International Holdings Limited (DSG) mis-sold a payment protection insurance (PPI) policy to him, with a loan.backgroundI attach my provisional decision of 4 February 2016, which forms part of this final decision.In that provisional decision, I set out th... (3 pages)View decision -
Decision Reference DRN0358246
9 Mar 2016 Bank of Scotland Plc UpheldInvestment and pensionsMr and Mrs W complain Bank of Scotland plc (BoS) mis-sold them a Guaranteed Investment Plan (GIP). They’re also unhappy they received a final response to their complaint so quickly as they had no opportunity for input. backgroundIn 2009 Mr and Mrs W were looking to ... (4 pages)View decision -
Decision Reference DRN1950053
9 Mar 2016 Credit 4 Cars Ltd Not upheldBanking and creditMr E complains about the way Credit 4 Cars Ltd (“C4C”) dealt with his rejection of a car he bought on finance. He also complains C4C didn’t refund his payments into the right account.backgroundMr E’s unhappy with the customer service he received from C4C when rejec... (2 pages)View decision -
Decision Reference DRN0603480
9 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr W says Bank of Scotland Plc (then Halifax) mis-sold him a payment protection insurance (PPI) policy.To keep things simple, I’ve used Bank of Scotland throughout.backgroundMr W bought the policy in 2001 at the same time as taking out a loan. The loan included ... (2 pages)View decision -
Decision Reference DRN0469173
9 Mar 2016 Santander UK Plc UpheldBanking and creditMr O and Mrs S complain that Santander UK Plc withdrew a mortgage offer after they’d exchanged on their property purchase. backgroundMr O and Mrs S wanted to buy a property and applied, via a broker, to Santander. In September 2015 Santander issued a mortgage offer,... (2 pages)View decision -
Decision Reference DRN7780516
9 Mar 2016 AXA PPP Healthcare Limited UpheldInsurance (excluding PPI)Mrs L has complained that AXA PPP Healthcare Limited has unfairly applied an exclusion to her private medical policy and has misrepresented the extent of her cover for her medical condition.background Mrs L had her AXA policy since before May 2013 and when it renewed... (2 pages)View decision
