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 367300 results
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Decision Reference DRN4715646
13 Oct 2015 The Royal London Mutual Insurance Society Limited Not upheldInvestment and pensionsMr B complains about a policy held by his late father. He has said that The Royal London Mutual Insurance Society Limited has failed to pay out following the death of his father. backgroundMr B’s late father had a policy arranged for him in 1948. When Mr B attemp... (2 pages)View decision -
Decision Reference DRN4075659
13 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs C complain they were upgraded to a packaged account by Lloyds Bank PLC without their knowledge.backgroundMr and Mrs C had a fee-free account with Lloyds for many years before they were upgraded to the packaged account in November 2002. They say they didn’t kn... (2 pages)View decision -
Decision Reference DRN3960588
13 Oct 2015 Vitality Health Limited Not upheldInsurance (excluding PPI)Mr and Mrs H are unhappy about Vitality Health Limited’s (“Vitality”) handling of Mrs H’s claim made under their private medical insurance policy. Vitality has refused to reimburse the costs of Mrs H’s treatment over and above the overall outpatient care limit of £600... (3 pages)View decision -
Decision Reference DRN8563402
13 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr and Mrs R complain about the time it has taken for Bank of Scotland plc, trading as Halifax, to complete their mortgage application.backgroundMr and Mrs R own two properties on the same land – properties 1 and 2. In 2013 they applied for a residential mortgage fo... (3 pages)View decision -
Decision Reference DRN1266738
13 Oct 2015 Nationwide Building Society UpheldBanking and creditMr A complains that Nationwide Building Society blocked his credit card account, so his card was refused when he tried to use it. our initial conclusionsOur adjudicator didn’t think it was reasonable of Nationwide to block Mr A’s card. He said Nationwide should pay Mr A £50 for ... (2 pages)View decision -
Decision Reference DRN0133369
13 Oct 2015 First Response Finance Ltd Not upheldBanking and creditMrs E complains about the quality of a car she acquired under a hire purchase agreement with First Response Finance Ltd.backgroundMrs E acquired a car under a hire purchase agreement with First Response in July 2014. The mileage on the car was just over 73,000, and i... (2 pages)View decision -
Decision Reference DRN9009534
13 Oct 2015 HSBC Bank plc Not upheldBanking and creditMr M complains that HSBC Bank Plc mis-sold him a loan in January 2009 as it never gave him the terms and conditions of the account.our initial conclusionsThe adjudicator did not uphold the complaint. Although the bank has now misplaced the loan agreement and terms and conditio... (2 pages)View decision -
Decision Reference DRN5894993
13 Oct 2015 Clydesdale Financial Services Limited Not upheldBanking and creditMr W complains about two timeshare agreements he entered into. They were each financed by a loan from Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”). Mr W says the seller of the agreements (“the Seller”) falsely claimed the timeshares wou... (3 pages)View decision -
Decision Reference DRN0544469
13 Oct 2015 Skipton Building Society Not upheldBanking and creditB, a limited company, complains about Skipton Building Society’s decision to demand repayment of the mortgage used by B to buy a commercial property. Mr W, a director, assists B in bringing its complaint.backgroundIn 2007, B took out a loan with Skipton to buy a commer... (4 pages)View decision -
Decision Reference DRN1054439
13 Oct 2015 Nationwide Building Society Not upheldBanking and creditMrs H complains she opened a Flexi account with Nationwide Building Society and was promised that at the end of five years she would get 3% interest. But the account was switched from a Flexi account to a debit account which pays no interest.our initial conclusionsMrs H opened ... (2 pages)View decision
