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 381195 results
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Decision Reference DRN5968936
8 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mrs H either to accept or reject my decision before 8 April 2016. Bridget Makins ombudsman at the Financial Ombudsman ServicecomplaintMrs H is unhappy that Lloyds Bank plc sent her forms for US tax... (2 pages)View decision -
Decision Reference DRN5636275
8 Mar 2016 Santander UK Plc Not upheldBanking and creditMr K complains that Santander UK Plc is chasing him for a debt that he doesn’t owe. He says he withdrew money from an account that he was the trustee for (“Account 1”). He also says that the bank opened an account for him without his permission (“Account 2”).our init... (2 pages)View decision -
Decision Reference DRN9017646
8 Mar 2016 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr S complains that Santander UK Plc (Santander) mis-sold him a mortgage payment protection insurance (MPPI) policy.backgroundThis complaint is about a regular premium MPPI policy taken out in June 2010. Mr S applied for the policy in a meeting, when he was applying f... (2 pages)View decision -
Decision Reference DRN6555213
8 Mar 2016 Barclays Bank Plc UpheldBanking and creditMiss P says Barclays Bank PLC didn’t register a default on her account when it should’ve and the credit reference agencies (CRA) have inconsistent information. She asks for it to correct her credit file.backgroundIn March 2010 Barclays and Miss P agreed a reduced month... (2 pages)View decision -
Decision Reference DRN3650107
8 Mar 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr S is unhappy with how Harrington Brooks (Accountants) Limited handled his debt management plan (“DMP”). background The background to Mr S’s complaint was set out in the provisional decision. In it, the ombudsman explained why he thought Harrington Brooks could’ve ... (2 pages)View decision -
Decision Reference DRN0235847
8 Mar 2016 RCI Financial Services Limited UpheldBanking and creditMr M complains that RCI Financial Services Limited took too long to update information it registered on his credit file. He says as result he had to pay more for his loan than he would otherwise have done. He wants compensation of £25,000.our initial conclusions Our ... (2 pages)View decision -
Decision Reference DRN3815212
8 Mar 2016 Cheltenham & Gloucester plc Not upheldBanking and creditMr S complains about the actions of Cheltenham & Gloucester Plc (‘C & G’) over his mortgage.background Mr S and his previous spouse (Mrs S) took out a remortgage from C & G for £180,000. The purpose was to redeem their existing mortgage (with another lende... (2 pages)View decision -
Decision Reference DRN9270770
8 Mar 2016 CIGNA Europe Insurance Company SA-NV Not upheldInsurance (excluding PPI)Mr P complains that CIGNA Europe Insurance Company SA-NV mishandled his claim on a travel insurance policy.backgroundMr P complains that CIGNA said it would pay his claim – but then asked him to go through a long telephone call.The adjudicator didn’t recommend that the... (1 page)View decision -
Decision Reference DRN8986826
8 Mar 2016 Open University Student Budget Accounts Limited Not upheldBanking and creditMr I has complained that Open University Student Budget Accounts Limited (‘OUSBA’) unfairly recorded a default on his credit file. He also says it didn’t give him referral rights to this service, and that it incorrectly advised him of a possible notice of corrections pr... (1 page)View decision -
Decision Reference DRN8329119
8 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMs B has complained that Barclays Bank Plc (“Barclays”) mis-sold her Additions and Additions Plus packaged bank accounts in 1999 and 2005. backgroundI attach my provisional decision of 2 February 2016, which forms part of this final decision.In my provisional decision I ... (5 pages)View decision
