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 366350 results
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Decision Reference DRN8925120
7 Oct 2015 HSBC Bank plc Not upheldBanking and creditMrs G complains that HSBC Bank plc (“HSBC”) mis-sold her an HSBC Plus packaged bank account in 2009. The account was later rebranded as HSBC Advance. She paid a monthly fee for the account, which offers several benefits in return.Mrs G’s used a claims management ... (4 pages)View decision -
Decision Reference DRN6830234
7 Oct 2015 NRAM plc Not upheldBanking and creditThis complaint is about a mortgage and unsecured loan Mr and Mrs A have with NRAM plc. They’re unhappy that the balance of the unsecured loan hasn’t fallen by as much as they thought it would.backgroundOur adjudicator didn’t think NRAM had done anything wrong. He trie... (2 pages)View decision -
Decision Reference DRN5739759
7 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Miss L says HSBC Bank Plc (‘HSBC’) mis-sold her a payment protection insurance (‘PPI’) policy. backgroundThis complaint is about a credit card PPI policy taken out in 2004. The policy was added to Miss L’s credit card account when she applied for the card.Our adjudic... (2 pages)View decision -
Decision Reference DRN2456456
7 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMs C complains that Bank of Scotland plc (trading as Halifax) mis-sold her a packaged bank account in November 2009.backgroundMs C originally held a free “Cardcash” account with Halifax. In November 2009 she opened an additional account, a packaged “Ultimate Reward Cur... (2 pages)View decision -
Decision Reference DRN3864016
7 Oct 2015 Airdrie Savings Bank UpheldPayment protection insurance (PPI)Mr B complains that Airdrie Savings Bank (“Airdrie”) mis-sold him a single premium payment protection insurance (PPI) policy.backgroundMr B was sold the PPI during a meeting with Airdrie in September 1987 in connection with a loan.Both the loan and the PPI ran for 12... (2 pages)View decision -
Decision Reference DRN1424782
7 Oct 2015 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Mr G says Secure Trust Bank Plc mis-sold him a payment protection insurance (PPI) policy. backgroundMr G opened a “OneBill” account with Secure Trust in 1998, as a way of managing his household bills. And he took out a monthly premium PPI policy at the same time.T... (3 pages)View decision -
Decision Reference DRN1730997
7 Oct 2015 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Mr M says that Barclays Bank Plc (Barclays) mis-sold him payment protection insurance (PPI) when he took out a personal loan.backgroundMr M took out a personal loan with Barclays in 2000. At the same time he bought a single premium PPI policy to cover his repayments ... (3 pages)View decision -
Decision Reference DRN7880270
7 Oct 2015 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Mr and Mrs A say Secure Trust Bank Plc mis-sold them a payment protection insurance (PPI) policy. backgroundMr and Mrs A opened a “OneBill” account with Secure Trust in 1996, as a way of managing their household bills. And they took out a monthly premium PPI policy at t... (3 pages)View decision -
Decision Reference DRN2013407
7 Oct 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs E complained that The Royal Bank of Scotland Plc (‘RBS’) mis-sold them a packaged bank account in July 2000. They also complained that RBS upgraded them to a more expensive packaged bank account, in April 2002, without their knowledge. backgroundMr and ... (5 pages)View decision -
Decision Reference DRN1418603
7 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P complain that Legal & General Partnership Services Limited (L&G) recommended a mortgage that was unsuitable for them.backgroundOur adjudicator recommended upholding this complaint. She felt that the mortgage L&G recommended for Mr and Mrs P wasn... (3 pages)View decision
