Ombudsman decisions

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• Decision Reference DRN0180875

  9 Oct 2015 MBNA Limited Not upheld

  Banking and credit
  Mr C complains that MBNA Limited will not refund to him the money that he paid for a used car. His complaint is made against MBNA under section 75 of the Consumer Credit Act 1974 and he is being helped with his complaint by his wife. backgroundMr C used his MBNA credi... (4 pages)
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• Decision Reference DRN0564896

  9 Oct 2015 Bank of Scotland Plc Upheld

  Banking and credit
  Mr K complains that Bank of Scotland plc (trading as Halifax) will not refund a disputed debit card transaction on his account.backgroundMr K was staying at a guesthouse and had paid for his stay online through a booking site, using his Halifax debit card. Mr K say... (2 pages)
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• Decision Reference DRN0946357

  9 Oct 2015 Marks & Spencer Financial Services plc Not upheld

  Banking and credit
  Mr K complains that Marks & Spencer Financial Services Plc (trading as M&S Bank) failed to stop overspending on his store card despite it being over the agreed limit. He wants a refund and any default notified to external credit agencies removed.our initial conclusionsOur a... (2 pages)
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• Decision Reference DRN3204120

  9 Oct 2015 GPUK LLP Not upheld

  Banking and credit
  R is a limited company and its complaint is brought by its representative Mr P. Mr P complains that GPUK LLP (trading as Global Payments) unreasonably suspended R’s merchant services account and held back payment for transactions.backgroundR took a merchant services c... (2 pages)
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• Decision Reference DRN0980961

  9 Oct 2015 Bradford & Bingley Plc Not upheld

  Banking and credit
  Mr S complains about the sale of his Bradford & Bingley Plc (B&B) mortgage.background Mr S worked for B&B. In 2007 he applied for a mortgage with B&B. It was an advised sale. The advice he received was that he should take a 100% mortgage on a 10 year ... (3 pages)
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• Decision Reference DRN3080538

  9 Oct 2015 Bank of Scotland Plc Not upheld

  Banking and credit
  Mr C complains that Bank of Scotland plc, trading as Halifax won’t restructure his loan. He’s found his finances have been stretched too far since he took out the loan, and wants to reduce his monthly payments.backgroundLast year, Mr C took out a Halifax loan. He lat... (2 pages)
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• Decision Reference DRN7535667

  9 Oct 2015 Nationwide Building Society Not upheld

  Banking and credit
  Mr and Mrs B complain that Nationwide Building Society failed to share details of their valuation report with them which has caused them to lose money.backgroundMr and Mrs B took out a mortgage on a new property with Nationwide in 2012. One of the incentives for the mo... (2 pages)
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• Decision Reference DRN8260052

  9 Oct 2015 National Westminster Bank Plc Not upheld

  Banking and credit
  Mrs H has complained that National Westminster Bank Plc (NatWest) mis-sold a packaged bank account to her in 2010. Mrs H upgraded her fee free account to an Advantage Blue account in 2010 which was converted to a Select Silver account in 2012. She paid a monthly fee f... (2 pages)
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• Decision Reference DRN4353871

  9 Oct 2015 Leeds Building Society Not upheld

  Banking and credit
  Mr D and Ms G are executors of their late father’s estate. They complain the Leeds Building Society failed to issue tax certificates for their late father’s account. This caused inconvenience as they had to recalculate the inheritance tax payable on their late father’s... (2 pages)
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• Decision Reference DRN8251226

  9 Oct 2015 Lloyds Bank PLC Not upheld

  Investment and pensions
  Mr W complains Lloyds Bank PLC mis-sold a decreasing term assurance policy when he took out a mortgage, and then a replacement policy when he took out a further advance.Mr W says he was told he had to have the policies but had not asked for and didn’t want them. He had... (3 pages)
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