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 366874 results
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Decision Reference DRN0166301
9 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr M has complained that he was mis-sold a packaged bank account by National Westminster Bank Plc (“NatWest”).backgroundMr M opened a fee-free account with NatWest in February 1996. He upgraded this to an Advantage Gold account in November 2000.Mr M says that he upgrade... (3 pages)View decision -
Decision Reference DRN3601534
9 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr B 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 2001. The loan included an amount to pay for the policy.Our adjudicator upheld the complaint. HSBC... (2 pages)View decision -
Decision Reference DRN4724932
9 Oct 2015 Northern Bank Limited UpheldPayment protection insurance (PPI)Mr and Mrs M say that Northern Bank Limited (NBL) mis-sold them a regular monthly premium payment protection insurance (PPI) policy. backgroundNBL sold Mr and Mrs M the policy in Mr M’s name with a ‘FlexiLine Facility’ in a meeting. Our adjudicator upheld Mr and Mr... (3 pages)View decision -
Decision Reference DRN2240486
9 Oct 2015 Nationwide Building Society UpheldPayment protection insurance (PPI)Mr and Mrs H complain they were mis-sold payment protection insurance “PPI” when they took out a mortgage with Nationwide Building Society (trading as Lambeth Building Society at the time and referred to here as “Nationwide”).backgroundI issued my provisional decision in Au... (5 pages)View decision -
Decision Reference DRN6345586
9 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr and Mrs H complain that the early repayment charge, (“ERC”), required by Nationwide Building Society is unfair and punitive. They want to be able to switch to a new product without having to pay it. They also say that Nationwide should have told them about alternat... (2 pages)View decision -
Decision Reference DRN3861566
9 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M 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 ... (2 pages)View decision -
Decision Reference DRN3117645
9 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc (trading as Halifax) mis-sold him a packaged bank account.backgroundMr B opened a fee-free account with Halifax in July 2003. This was then upgraded to an “Ultimate Reward Current Account” (URCA) in May 2010. Mr B says that ... (3 pages)View decision -
Decision Reference DRN5505814
9 Oct 2015 Mortgage Intelligence Ltd Not upheldPayment protection insurance (PPI)This complaint is about a regular premium payment mortgage protection insurance (MPPI) policy. Mr K says Mortgage Intelligence Ltd (“MIL”) trading as New Dawn Mortgage Services Limited, mis-sold him this policy.backgroundIn 2005, Mr K took out an MPPI policy with his mo... (2 pages)View decision -
Decision Reference DRN5395258
9 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr S has complained that National Westminster bank Plc (NatWest) mis-sold a packaged bank account to him in 2010. He paid a monthly fee for the account which offered several benefits in return.backgroundOne of our adjudicators has looked into Mr S’s complaint already.... (2 pages)View decision -
Decision Reference DRN4917894
9 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mrs C says HSBC Bank Plc mis-sold her a payment protection insurance (PPI) policy.backgroundThis complaint is about a single premium PPI policy taken out with a loan in 2004. The loan included an amount to pay for the policy.Our adjudicator upheld the complaint. HSB... (2 pages)View decision
