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 DRN9070657
6 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr H says HSBC 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 2000. Mr H says he applied for the loan and PPI in a meeting.Our adjudicator upheld the complaint.... (2 pages)View decision -
Decision Reference DRN7161046
6 Oct 2015 ReAssure Limited Not upheldInvestment and pensionsMr L complains about the surrender value quoted to him by ReAssure Limited on his whole- of-life policy. backgroundMr L took out a whole-of-life policy in June 1970. It provided an assured death benefit of £1,500. He asked for the surrender value of the policy. ReAssur... (2 pages)View decision -
Decision Reference DRN5813387
6 Oct 2015 Lloyds Bank PLC UpheldBanking and creditMrs C complains that Lloyds Bank PLC (“Lloyds”) won’t refund her after she fell victim to a scam.backgroundIn May 2015 Mrs C received a call from somebody she thought was from Lloyds. She was told that her account was at risk, and that in order to protect her ... (2 pages)View decision -
Decision Reference DRN4208314
6 Oct 2015 TSB Bank plc Not upheldBanking and creditMr B, a director of M, a limited company, feels that the TSB Bank Plc (“TSB”) has treated it unfairly in relation to asking him to provide proof of identification after his call to TSB after he failed the security check.backgroundMr B is not happy because he needed... (2 pages)View decision -
Decision Reference DRN7485410
6 Oct 2015 Bank of Scotland Plc Not upheldInvestment and pensionsMr M complains that Bank of Scotland plc, trading as Halifax, advised him to put his regular monthly savings into a stocks and shares Individual Savings Account (ISA). But it didn’t tell him about the risks of the investment or about any other ways he could save his ... (2 pages)View decision -
Decision Reference DRN2128885
6 Oct 2015 Legal & General Assurance Society Limited Not upheldInvestment and pensionsMrs A (representing the estate of the late Mr A) is complaining about Legal & General Assurance Society Limited because it didn’t backdate the benefit on her late husband’s life insurance policy to when he first became ill.backgroundMr A took out a decreasing term ... (2 pages)View decision -
Decision Reference DRN7230678
6 Oct 2015 Everyday Loans Limited Not upheldPayment protection insurance (PPI)Mr and Mrs H say Everyday Loans Limited mis-sold two payment protection insurance (PPI) policies to them.backgroundIn 2007 and 2008 Mr and Mrs H took out joint personal loans through Everyday Loans. They took the loans out during meetings at their local branch – an... (3 pages)View decision -
Decision Reference DRN3236061
6 Oct 2015 FirstRand Bank Limited Not upheldBanking and creditMr J complains that the van he obtained under a hire purchase agreement with FirstRand Bank Limited (trading as MotoNovo Finance) was not of satisfactory quality.backgroundMr J got the van in September 2014. It was four and a half years old and had a mileage of about 1... (3 pages)View decision -
Decision Reference DRN6692193
6 Oct 2015 Nationwide Building Society Not upheldInsurance (excluding PPI)Miss D has complained about Nationwide Building Society because she believes her critical illness insurance policy was mis-sold. She says she was told the exclusion of cover for total and permanent disability (TPD) from the policy only applied to accidental injury and ... (3 pages)View decision -
Decision Reference DRN4448257
6 Oct 2015 Guardian Assurance Limited Not upheldInvestment and pensionsMr and Mrs C complain that a life assurance policy was mis-sold to them by Guardian Assurance Limited. backgroundMr and Mrs C applied for a £2,000 advance on their mortgage in 1991 which was to be repaid over five years. They also took out a life assurance policy w... (2 pages)View decision
