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 375868 results
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Decision Reference DRN3048309
12 Jan 2016 Heron House Financial Management Limited Not upheldInvestment and pensionsMs R complains that she was mis-advised by Heron House Financial Management Ltd (HHFM) about Fixed Protection 2014 (FP).backgroundIn February 2014 Ms R was going through a divorce and decisions were being made about how her and her husband’s pension benefits should ... (3 pages)View decision -
Decision Reference DRN3473047
12 Jan 2016 Capital One (Europe) plc UpheldBanking and creditMr Q complains that Capital One (Europe) plc will not refund to him the money that he paid for a television. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974. backgroundMr Q used his Capital One credit card in July 2014 to... (2 pages)View decision -
Decision Reference DRN9188278
12 Jan 2016 Nationwide Building Society UpheldBanking and creditMr and Mrs M complain that Nationwide Building Society has removed their ability to “borrow back” payments made to their mortgage. They want to be able to do so.backgroundMr and Mrs M had a mortgage with Nationwide which let them overpay the mortgage and then “borrow... (2 pages)View decision -
Decision Reference DRN6442605
12 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr E complains about Bank of Scotland plc (trading as Halifax). He says that in 2011, he sent a cheque to Halifax in full and final settlement of his outstanding credit card debt. He says he enclosed the cheque with a letter asking Halifax to cash the cheque if it... (2 pages)View decision -
Decision Reference DRN5018461
12 Jan 2016 Market Harborough Building Society Not upheldBanking and creditMr C complains that Market Harborough Building Society (MHBS) has mistakenly recorded missed mortgage payments on his credit file that he’d like removed. Mr C says he’s had an application to remortgage declined as a result of MHBS’s mistakes. backgroundMr C has a mortga... (2 pages)View decision -
Decision Reference DRN8831697
12 Jan 2016 Danamere Employee Benefits Ltd UpheldInvestment and pensionsMr O complains that Danamere Employee Benefits Ltd gave him unsuitable advice to invest in an Arch cru fund in 2008.backgroundIn 2008, Mr O had a s e rie s o f m eetin gs w it h Danamere in order to review the performance of his investment portfolio. Danamere recommended... (3 pages)View decision -
Decision Reference DRN5469383
12 Jan 2016 AXA Insurance UK Plc UpheldInsurance (excluding PPI)Mr and Mrs H complain about the amount AXA Insurance UK Plc has paid for their travel insurance claim, as well as the service it provided to them. background I issued a provisional decision on this complaint in December 2015. An extract from that decision follows: Mr a... (4 pages)View decision -
Decision Reference DRN6168383
12 Jan 2016 Scottish Widows Limited Not upheldInvestment and pensionsMr and Mrs B’s complaint is that Clerical Medical Investment Group Limited marketed a product which didn’t do what it said it would do. They say the paperwork from Clerical Medical was misleading.backgroundOur adjudicator didn’t uphold the complaint. She said: Clerical ... (3 pages)View decision -
Decision Reference DRN5293967
12 Jan 2016 Buckland Harvester Limited UpheldInvestment and pensionsThe executor of the late Mrs B complains about advice from Buckland Harvester Limited to invest in the Connaught Income Fund series 1 (the “CIF”, previously the Guaranteed Low Risk Income fund) and Stirling Mortimer No.8 UK Land fund (“SM8”). The complaint concerns the... (7 pages)View decision -
Decision Reference DRN3914325
12 Jan 2016 Bank of Scotland Plc Not upheldInvestment and pensionsMr T and Mr D are acting in their capacity as executors of the estate of the late Mr and Mrs J. Mr T has been the main correspondent. They’re complaining about Bank of Scotland Plc (trading as Halifax) because an error was made in setting up trust arrangements... (4 pages)View decision
