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 DRN1349800
12 Oct 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMiss O complains that The Royal Bank of Scotland Plc misled her about whether it would take possession of her property. It then sold the property for less than it was worth. Miss O asks for an apology and compensation.background Miss O took out a 25 year mortgage ... (2 pages)View decision -
Decision Reference DRN0397082
12 Oct 2015 Just Retirement Solutions Limited Not upheldBanking and creditMr and Mrs H complain that they will have to pay an Early Repayment Charge (“ERC”) if they repay this mortgage early. They say that Just Retirement Solutions Limited (“JRS”) sold them an unsuitable mortgage.backgroundJRS recommended that Mr and Mrs H take out a lifeti... (2 pages)View decision -
Decision Reference DRN8850030
12 Oct 2015 NRAM plc UpheldBanking and creditMr O complains that NRAM plc has added unfair charges to his mortgage account. backgroundMr O says that NRAM added unfair charges to his mortgage account and did not respond in a timely fashion to explain or remove them. Our adjudicator did not recommend that this compl... (1 page)View decision -
Decision Reference DRN5033706
12 Oct 2015 Secure Trust Bank Plc UpheldPayment protection insurance (PPI)Mr and Mrs S complain that Secure Trust Bank Plc (‘Secure Trust’) mis-sold Mr S a payment protection insurance (‘PPI’) policy to cover their One Bill account.backgroundMr and Mrs S arranged the One Bill account with Secure Trust in 1989. The purpose of the account was ... (3 pages)View decision -
Decision Reference DRN5847928
12 Oct 2015 TSB Bank plc Not upheldBanking and creditMiss N has complained that TSB Bank plc (TSB) mis-sold her a Platinum packaged bank account (PBA). backgroundTSB has told us that Miss N first opened a bank account in 2000 as an under 19s account. This was changed to a Classic fee free account in March 2010. She ... (2 pages)View decision -
Decision Reference DRN4423031
12 Oct 2015 Edward P Wright Ltd UpheldPayment protection insurance (PPI)Mr H says that Edward P Wright Ltd (EPW) mis-sold him payment protection insurance (PPI) and Guaranteed Asset Protection insurance (GAP).backgroundMr H was sold PPI and GAP when he arranged to buy a car on hire purchase with EPW in 2007. The PPI would’ve covered his... (2 pages)View decision -
Decision Reference DRN2774961
12 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMrs C and Mr E have complained that Lloyds Bank PLC (“Lloyds”) mis-sold a Select packaged bank account to them in 2006. They pay a monthly fee for the account which provides some benefits.Mrs C and Mr E have used a claims management company (CMC) to bring this comp... (2 pages)View decision -
Decision Reference DRN9424025
12 Oct 2015 Leeds Building Society Not upheldBanking and creditMr B complains that his mortgage application was unfairly declined by Leeds Building Society.backgroundMr B applied for his first mortgage with Leeds. The application was initially declined because of adverse credit but then reassessed and accepted. Our adjudicator did ... (1 page)View decision -
Decision Reference DRN2335189
12 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc, trading as Halifax, made some mistakes with his bank account.backgroundMr L says Halifax made a number of mistakes with payments from his bank account, which caused him financial difficulty. And he says the service it gave h... (2 pages)View decision -
Decision Reference DRN5203990
12 Oct 2015 Financial Insurance Company Limited Not upheldPayment protection insurance (PPI)Miss A complains that she was mis-sold payment protection insurance (PPI) when she took out a store card. It’s been agreed in this case that Financial Insurance Company Limited (FICL) as the insurer should accept responsibility for the complaint. To keep things simp... (3 pages)View decision
