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 DRN2537135
8 Mar 2016 Santander UK Plc Not upheldInvestment and pensionsMr P has complained that Santander UK Plc is holding his personal data against his wishes.backgroundMr P received a new debit card from Santander, despite no longer banking with it. It was this that alerted him to the fact that it was holding some of his personal da... (1 page)View decision -
Decision Reference DRN4849080
8 Mar 2016 HSBC Bank plc Not upheldInvestment and pensionsMr M is unhappy with the advice he received from Midland Bank (now HSBC Bank Plc) to transfer pension benefits from his employer’s pension scheme into a personal pension.backgroundI set out the background in my provisional decision. A full copy is attached. But bri... (4 pages)View decision -
Decision Reference DRN5265283
8 Mar 2016 Castle Trust Capital PLC Not upheldBanking and creditMrs C complained about the valuation which Castle Trust Capital plc arranged on her property.backgroundMrs C had a buy to let equity mortgage with Castle. The way the mortgage worked was that when Mrs C wanted to redeem the mortgage, the amount she’d have to pay was bas... (2 pages)View decision -
Decision Reference DRN1673022
8 Mar 2016 HSBC Bank plc UpheldBanking and creditMr R says HSBC Bank Plc should issue a notice of satisfaction against the CCJ (county court judgment) on his current account. backgroundMr R entered into an IVA (individual voluntary arrangement) in May 2012. There was already a CCJ on his HSBC current and loan accou... (2 pages)View decision -
Decision Reference DRN2642948
8 Mar 2016 Inter Partner Assistance SA UpheldInsurance (excluding PPI)Mr and Mrs B complain about the service they received from Inter Partner Assistance SA under their home emergency insurance policy.backgroundMr and Mrs B contacted IPA about a blocked drain. IPA attended and advised the downstairs toilet would need to be removed to a... (2 pages)View decision -
Decision Reference DRN5120401
8 Mar 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr W says Bank of Scotland plc (trading as Halifax) mis-sold him a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 1999. The policy was added to Mr W’s credit card account when he applied for the car... (2 pages)View decision -
Decision Reference DRN4288510
8 Mar 2016 Legal & General Insurance Limited Not upheldInsurance (excluding PPI)Ms T complained that Legal & General Insurance Limited (L&G) wouldn’t pay a claim she made on her income protection policy. backgroundMs T made a claim on her policy after losing her job. L&G said it wouldn’t pay because she’d lost her job during the prob... (2 pages)View decision -
Decision Reference DRN4847544
8 Mar 2016 Aviva Equity Release UK Limited Not upheldBanking and creditThis complaint is about a lifetime mortgage Mr H took out with Aviva Equity Release UK Limited. Mr H is concerned the mortgage doesn’t work in a fair way. He’s being represented by a third party I’ll call ‘R’.backgroundMr H took out a lifetime mortgage in 2002. Th... (2 pages)View decision -
Decision Reference DRN4168335
8 Mar 2016 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr R complains that National Westminster Bank Plc (“Natwest”) mis-sold him a mortgage payment protection insurance (“MPPI”) policy.backgroundThis complaint is about a regular premium MPPI policy taken out by Mr R in August 2005 alongside a mortgage. The policy protecte... (2 pages)View decision -
Decision Reference DRN9918255
8 Mar 2016 Catlin Insurance Company (UK) Ltd Not upheldInsurance (excluding PPI)Mr L complains that Catlin Insurance Company (UK) Ltd (“Catlin”), the underwriter of his motor insurance policy, voided his policy, that is treated it as of no effect from the outset, because it said he had not told it that the car had been modified. He is represent... (3 pages)View decision
