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 DRN7297439
2 Oct 2015 Phoenix Life Limited Not upheldInvestment and pensionsMr A complains about the administration of his Phoenix Life Limited whole of life policy. In particular he complains about the policy’s charges and its surrender value. backgroundMr A took out a unit linked whole of life policy (which was called a Lifetime Security Ac... (2 pages)View decision -
Decision Reference DRN7483067
2 Oct 2015 Chase de Vere Independent Financial Advisers limited Not upheldInvestment and pensionsMr T complained that Chase de Vere Independent Financial Advisers limited (Chase) mis- sold him a whole-of-life policy. He said he wasn’t aware the premiums were reviewable. He subsequently said he also didn’t want critical illness cover and wasn’t aware it was included. ... (2 pages)View decision -
Decision Reference DRN0549010
2 Oct 2015 Scottish Equitable Plc Not upheldInvestment and pensionsMs T complains that Scottish Equitable plc will not remove her name from a joint life assurance policy. backgroundMs T and her then partner took out a joint life assurance policy with Scottish Equitable in October 2003. Her relationship with her partner ended and she as... (1 page)View decision -
Decision Reference DRN5212096
2 Oct 2015 Santander UK Plc Not upheldInvestment and pensionsMs E complains the Royal London Guaranteed Lifetime Plan she took out was mis-sold by Santander UK Plc. Ms E says that she informed the business she could only afford £5 per month. However, the plan she purchased actually cost £25.04 per month.backgroundMs E says when ... (2 pages)View decision -
Decision Reference DRN1695198
2 Oct 2015 Nationwide Building Society Not upheldBanking and creditMrs G complains that Nationwide Building Society gave her the wrong figure to redeem her mortgage which has meant she’s lost money. background Mrs G was selling her house in August 2014. When she received an offer, she called Nationwide to find out the final amount s... (2 pages)View decision -
Decision Reference DRN1247326
2 Oct 2015 Canada Life Limited Not upheldInvestment and pensionsMr T is unhappy with the annuity income offered by Canada Life Limited (Canada Life) for his Annuity Growth Account (AGA). He also says that Canada Life should have offered him a ten year guarantee with his annuity in 2014.backgroundMr T bought an AGA in 2006. Mr T d... (3 pages)View decision -
Decision Reference DRN3012915
2 Oct 2015 Barclays Bank Plc Not upheldInvestment and pensionsMr and Mrs S complain that Barclays Bank Plc mis-sold them payment protection insurance (PPI) when they arranged their mortgage. They believe these policies were a form of payment protection insurance.backgroundMr and Mrs S took out a repayment mortgage in 1983. In 198... (2 pages)View decision -
Decision Reference DRN5038280
2 Oct 2015 Lloyds Bank PLC UpheldBanking and creditC is a farming partnership. The partners complain that they were mis-sold a fixed rate loan by Lloyds Bank PLC.backgroundIn August 2008, C took out a 25-year fixed rate loan with Lloyds. It was for £1,017,000 and the all-in annual interest rate was 6.47%. This consoli... (4 pages)View decision -
Decision Reference DRN5321170
2 Oct 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs R complain that Lloyds Bank PLC (Lloyds) mis-sold them mortgage payment protection insurance (PPI).backgroundMr and Mrs R took out a mortgage with Lloyds in 1994. At the same time they bought monthly premium PPI to cover their repayments if they’d been unab... (2 pages)View decision -
Decision Reference DRN2773524
2 Oct 2015 MBNA Limited Not upheldPayment protection insurance (PPI)Mrs M complains about a payment protection insurance (‘PPI’) policy that she was sold by MBNA Limited (‘MBNA’) in connection with her credit card. She considers she should have her credit card balance paid off because that’s what MBNA told her the PPI would do in the ev... (2 pages)View decision
