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 DRN5618451
2 Oct 2015 Express Mortgage Solutions Limited UpheldBanking and creditMrs H complains that Express Mortgage Solutions Limited (“Express”) mis-sold her a mortgage.backgroundIn 2009 Mrs H decided to buy two investment properties, one in the UK, and one in Bulgaria. She was sold the second investment by a company called Blue Water Internation... (3 pages)View decision -
Decision Reference DRN1638218
2 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMrs H has complained that Lloyds Bank PLC (Lloyds) mis-sold her a Silver packaged bank account (PBA). backgroundLloyds has told us that Mrs H first opened a fee free account in 2007. She upgraded the account to a Silver PBA in February 2011. The account offered a number ... (2 pages)View decision -
Decision Reference DRN1202771
2 Oct 2015 Melbourne Mortgages Limited Not upheldBanking and creditMr and Mrs D complain that Melbourne Mortgages Limited (“Melbourne”) wrongly applied charges and interest to their secured loan account.Mr and Mrs D are represented by a third party.backgroundMr and Mrs D took out a loan with Melbourne in 2006 for £8,775 over a term of ... (3 pages)View decision -
Decision Reference DRN7069860
2 Oct 2015 TSB Bank plc Not upheldBanking and creditMiss O has complained that she was mis-sold packaged bank accounts by TSB Bank plc (“TSB”).backgroundMiss O upgraded her free account with TSB to the Silver account in September 2012. She upgraded again to the Gold account in November 2012.TSB refunded the difference... (2 pages)View decision -
Decision Reference DRN7572216
2 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr P complains that Bank of Scotland plc (trading as Halifax) mis-sold him a packaged bank account in June 2010. He complains that he was told he had to take the account in order to be approved for a mortgage.backgroundMr P opened a free account with Halifax in 2... (2 pages)View decision -
Decision Reference DRN2617683
2 Oct 2015 Bluefin Personal Consulting Limited UpheldInvestment and pensionsMr P is unhappy with the level of service provided by Bluefin Personal Consulting Limited (Bluefin). He feels they should have told him about a change in the law in 2011 which meant that he didn’t need to take an annuity at the age of 75.backgroundIn 2007, Mr P was... (4 pages)View decision -
Decision Reference DRN4494421
2 Oct 2015 Lloyds Bank PLC Not upheldInvestment and pensionsMr and Mrs T’s complain about the cost and quality of investment advice they received from Lloyds Bank PLC in 2014. They say the advisor misled them into believing they were getting impartial advice when they were merely recommended his company’s own products.backgroundM... (2 pages)View decision -
Decision Reference DRN9344329
2 Oct 2015 Santander UK Plc UpheldInvestment and pensionsMr and Mrs R complain Santander failed to contact them about the decreasing term assurance (DTA) they took out to cover their mortgage because it did not have their correct address. And because of this they didn’t cancel the policy earlier and paid the premiums fo... (2 pages)View decision -
Decision Reference DRN4325064
2 Oct 2015 Legal & General Assurance Society Limited Not upheldInvestment and pensionsMiss C and Mr C are representing the estate of the late Mr P. They’re complaining about Legal & General Assurance Society Limited because it declined to pay out on a policy covering Mr P’s life.backgroundMr P took out a level term life insurance policy in 2005. S... (3 pages)View decision -
Decision Reference DRN6912304
2 Oct 2015 Chase de Vere Independent Financial Advisers limited Not upheldInvestment and pensionsMr and Mrs H have complained that advice they received from a predecessor firm of Chase de Vere Independent Financial Advisers Limited (“Chase de Vere”) in April 1993 to take outa ‘reviewable’ whole life policy was unsuitable for them.Specifically, they say they re... (10 pages)View decision
