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 366873 results
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Decision Reference DRN1000749
9 Oct 2015 Tesco Underwriting Limited Not upheldInsurance (excluding PPI)Miss U says Tesco Underwriting Limited wrongly decided she was to blame when she made a claim on her motor insurance policy. It also didn’t offer her enough for her car.backgroundMiss U told Tesco she was making a U-turn, to park on the opposite side of the ... (2 pages)View decision -
Decision Reference DRN8774344
9 Oct 2015 The Mortgage Works (UK) Plc Not upheldBanking and creditMr W complains that he should not have been charged an Early Repayment Charge (“ERC”) when he redeemed his mortgage with The Mortgage Works (UK) Plc and is unhappy with the way it dealt with his complaint.backgroundMr W had an existing mortgage with The Mortgage Works... (2 pages)View decision -
Decision Reference DRN4224918
9 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditB, a limited company, complains because Lloyds Bank PLC was slow to process its application to open a business account with the bank. And then Lloyds cancelled the application. Mr S, a director of B, brings this complaint for and on behalf of B.backgroundMr S set up... (2 pages)View decision -
Decision Reference DRN3964611
9 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr L has complained that Lloyds Bank PLC (“Lloyds”) mis-sold ‘Select’ and ‘Silver’ packaged bank accounts to him between 1997 and 2010. A monthly fee is paid for these types of accounts which offer several benefits in return. Mr L has used a claims management com... (3 pages)View decision -
Decision Reference DRN0821398
9 Oct 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr S complains that Bank of Scotland Plc (“Halifax”) mis-sold him a mortgage payment protection insurance (“MPPI”) policy in 2005.backgroundMr S bought a MPPI policy in March 2005 to protect his mortgage repayments. The policy was sold during a branch meeting.Mr S belie... (2 pages)View decision -
Decision Reference DRN7560658
9 Oct 2015 Nationwide Building Society Not upheldBanking and creditThis complaint is about a mortgage Miss O holds with Nationwide Building Society (Nationwide). Miss O, who has mental health problems, complains about the treatment she has received since her mortgage fell into arrears in early 2013. She says it has caused her a g... (6 pages)View decision -
Decision Reference DRN8523880
9 Oct 2015 ACF Car Finance Limited UpheldPayment protection insurance (PPI)Mr F says ACF Car Finance Limited (ACF) mis-sold him a payment protection insurance (PPI) policy with a loan. backgroundIn 2008 Mr F took out a loan through ACF to buy a car. ACF also advised him to buy PPI. Mr F borrowed extra to pay for the policy, which was added ... (3 pages)View decision -
Decision Reference DRN1839923
9 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs D complain that National Westminster Bank Plc (NatWest) mis-sold them an Advantage Gold packaged bank account in 1997.backgroundMr and Mrs D opened an Advantage Gold account in 1997. They had previously held various fee free accounts with NatWest for many y... (3 pages)View decision -
Decision Reference DRN7497898
9 Oct 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M and Ms K complain that Bank of Scotland Plc (trading at the time of sale as “Halifax”) mis-sold them a mortgage payment protection insurance (“MPPI”) policy in 2008.backgroundMr M and Ms K bought a MPPI policy which started in June 2008 to protect their mortga... (2 pages)View decision -
Decision Reference DRN0057471
9 Oct 2015 Clydesdale Bank Plc Not upheldBanking and creditMr H has complained that Clydesdale Bank Plc (trading as “Yorkshire” Bank) mis-sold him a Premium (which later became the Private account) packaged bank account in 2004. He pays a monthly fee for the account which provides some benefits in return.Mr H has used a claim... (2 pages)View decision
