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 DRN2299205
7 Oct 2015 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr W says Barclays Bank Plc mis-sold him a payment protection insurance (PPI) policy.backgroundThis complaint is about a single premium PPI policy taken out with a loan in 1999. Mr W applied for the PPI at a meeting.I issued a provisional decision on Mr W’s complai... (2 pages)View decision -
Decision Reference DRN3724202
7 Oct 2015 Ulster Bank Ltd Not upheldBanking and creditMr M has complained that Ulster Bank Ltd mis-sold a U First packaged bank account to him in 2001, as well as a U First Gold account in 2007. He paid a monthly fee for the accounts, which offered a number of benefits in return.backgroundOne of our adjudicators ha... (2 pages)View decision -
Decision Reference DRN3209966
7 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G have complained that Bank of Scotland plc (trading as Halifax) mis-sold an Ultimate Reward Current Account (URCA) to them in 2009. They paid a monthly fee for the account which offered several benefits in return.backgroundOne of our adjudicators looked int... (2 pages)View decision -
Decision Reference DRN6668049
7 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMrs B and Mr M have complained that National Westminster Bank Plc (NatWest) mis-sold an Advantage Gold packaged bank account to them in 1997. They paid a monthly fee for the account, which offered a number of benefits in return.Mrs B and Mr M have used a claims man... (4 pages)View decision -
Decision Reference DRN6862196
7 Oct 2015 Advantage Insurance Company Limited Not upheldInsurance (excluding PPI)Mr L says Advantage Insurance Company Limited wrongly settled a claim against his motor insurance policy. He also says its advisors were rude to him.background An accident involving Mr L was reported to Advantage by the other party’s insurer in November 2013. It took... (2 pages)View decision -
Decision Reference DRN7681515
7 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains about information recorded on his credit file by Bank of Scotland plc (trading as Halifax).background Mr L had a credit card with Halifax. In August 2011 he told Halifax he was experiencing financial difficulties. In September 2011 Halifax agreed to a... (3 pages)View decision -
Decision Reference DRN4740585
7 Oct 2015 Swift Advances Plc Not upheldBanking and creditMrs T complains that Swift Advances Plc has not calculated the balance of her secured loan properly. She says she has repaid the loan but is frightened to stop making payments. She asks that Swift agrees the loan is repaid and says the worry is affecting her healt... (2 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN1323258
7 Oct 2015 Accord Mortgages Limited UpheldBanking and creditMr C and Ms V complain that Accord Mortgages Limited did not treat them fairly when they applied for a mortgage with Accord. background Mr C and Ms V applied, through a broker, for a mortgage on a property they intended buying. Ms V was paid by an international body... (2 pages)View decision -
Decision Reference DRN2937204
7 Oct 2015 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc treated him poorly when it was taking his property into possession.backgroundMr A had a mortgage with Barclays and he’d got into financial difficulties. In August 2013 Barclays was granted a possession order by the courts. Mr A moved... (3 pages)View decision