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 DRN1431031
13 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMrs L has complained Lloyds Bank PLC (“Lloyds”) mis-sold a ‘Select’ packaged bank account to her in 2002. She pays a monthly fee for the account and can use several benefits in return.backgroundOne of our adjudicators has looked into Mrs L’s complaint already. The adj... (3 pages)View decision -
Decision Reference DRN1216195
13 Oct 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss G has complained that The Royal Bank of Scotland Plc (RBS) mis-sold a Royalties Gold packaged bank account to her in 2010. She paid a monthly fee for the account, which offered a number of benefits in return.backgroundOne of our adjudicators has looked into M... (3 pages)View decision -
Decision Reference DRN7346640
13 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr D complains that National Westminster Bank Plc (“NatWest”) has failed to correctly handle or acknowledge cheques that he has sent it. He is unhappy that cheques he sent NatWest for capital repayments on his mortgage are not being acknowledged and are sometimes ... (3 pages)View decision -
Decision Reference DRN2012635
13 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr F 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. H... (2 pages)View decision -
Decision Reference DRN6039405
13 Oct 2015 Leap Finance Limited UpheldBanking and creditMr and Mrs W complain that, in the course of giving them mortgage advice, Leap Finance Limited recommend they borrow additional money to pay for a will-writing service they never received.backgroundIn 2011, Mr and Mrs W took mortgage advice from Leap. As a result, ... (2 pages)View decision -
Decision Reference DRN1776189
13 Oct 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about two re-mortgage transactions Mr B and Ms P conducted in 2005 and 2007 respectively on advice from a representative of Legal & General Partnership Services Limited (“L&G”). They complain that the mortgages were mis-sold. They are repres... (2 pages)View decision -
Decision Reference DRN0570600
13 Oct 2015 PTI Insurance Company Limited UpheldInsurance (excluding PPI)Mr H and Mrs T complain about the way PTI Insurance Company Limited has dealt with a claim on their travel insurance policy.backgroundMr H and Mrs T were travelling abroad. They planned to take a number of train journeys through various countries to reach their ul... (2 pages)View decision -
Decision Reference DRN1482877
13 Oct 2015 The Co-operative Bank Plc Not upheldBanking and creditMr and Mrs D complain that The Co-operative Bank Plc didn’t reduce the term of their mortgage when they made over-payments. And this forced them to re-mortgage with another lender. They want the Co-op to refund the early redemption charge (ERC) and to pay a cont... (2 pages)View decision -
Decision Reference DRN8969632
13 Oct 2015 Idem Capital Securities Limited Not upheldBanking and creditMs P complains that Idem Capital Securities Limited (‘Idem’) is unfairly relying on the terms of a loan agreement which fail to make clear how the settlement figure would be calculated.Ms P says this has caused her great financial difficulty. backgroundIdem didn’t up... (2 pages)View decision -
Decision Reference DRN7481134
13 Oct 2015 Aviva Health UK Limited Not upheldInsurance (excluding PPI)This complaint is about Aviva Health UK Limited’s decision not to pay for a medical procedure on the basis that it wasn’t classified as emergency treatment. backgroundMr N, who is representing his wife in this complaint, contacted Aviva in September 2014. He explained t... (3 pages)View decision
