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 DRN1544660
13 Oct 2015 Pinnacle Insurance Plc Not upheldInsurance (excluding PPI)Mr J has complained about Pinnacle Insurance Plc. He isn’t happy that it turned down a claim for an engine failure under his Extra care Warranty Insurance policy.backgroundMr J contacted Pinnacle to submit a claim when his engine failed. Pinnacle arranged for Mr J’s c... (2 pages)View decision -
Decision Reference DRN0736956
12 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr T says HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy.backgroundThis complaint is about a single premium PPI policy taken out with a loan in 1999. Mr T says he applied for the PPI in a meeting.Our adjudicator upheld the complaint.... (2 pages)View decision -
Decision Reference DRN8992149
12 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr M says HSBC Bank Plc (HSBC) 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. Mr M says he took out the loan and PPI during a meeting.Our adjudicator upheld the c... (2 pages)View decision -
Decision Reference DRN6927975
12 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr and Mrs A complain that Nationwide Building Society has charged an early repayment charge (ERC) which they weren’t aware they’d have to pay if they took out another Nationwide mortgage. And they feel the amount of the ERC doesn’t reflect the cost to Nationwide of t... (2 pages)View decision -
Decision Reference DRN4951375
12 Oct 2015 HSBC Bank plc UpheldBanking and creditMr C complains about the service he has received from HSBC Bank plc over the last few years.backgroundMr C complains about numerous aspects of the service he’s received from HSBC from 2008 onwards. I outline the main points here. Mr C says that in early 2008 his bank ... (3 pages)View decision -
Decision Reference DRN5675974
12 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr O has complained that Bank of Scotland plc (trading as Halifax) mis-sold an Ultimate Reward Current Account (URCA) to him in 2012. He paid a monthly fee for the account which offered several benefits in return.Mr O has used a claims management company (CMC) to b... (2 pages)View decision -
Decision Reference DRN0755780
12 Oct 2015 Yorkshire Building Society Not upheldBanking and creditMr and Mrs M complain about a charge Yorkshire Building Society requires them to pay in order to redeem their mortgage. backgroundMr and Mrs M want to pay off their mortgage a couple of years early. Yorkshire Building Society sent them a mortgage redemption statement... (3 pages)View decision -
Decision Reference DRN2241356
12 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr B complained that Bank of Scotland Plc, trading as Halifax (‘Halifax’) mis-sold him a packaged bank account. backgroundIn 2010, Mr B upgraded his fee free account to a fee paying Ultimate Reward Current Account (‘URCA’). The URCA offered a number of benefits for a... (2 pages)View decision -
Decision Reference DRN3888949
12 Oct 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr G 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 2004. The loan included an amount to pay for the policy.Our adjudicator upheld the complaint. HSB... (2 pages)View decision -
Decision Reference DRN9629603
12 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMiss L has complained that Bank of Scotland plc (BOS) mis-sold her an ultimate reward packaged bank account (PBA). backgroundMiss L’s account was upgraded to an ultimate reward account in November 2008. The account offered a number of benefits for a monthly fee. Our... (2 pages)View decision
