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 372144 results
-
Decision Reference DRN2904539
2 Dec 2015 Yorkshire Building Society UpheldInvestment and pensionsMrs R complains about Yorkshire Building Society’s (YBS) mismanagement of her complaint about her Guaranteed Investment Account (GIA).backgroundYBS rejected her complaint.In her complaint to this service, Mrs R provided a timeline of her contacts with YBS, saying it had... (3 pages)View decision -
Decision Reference DRN2702713
2 Dec 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs M complain that Bank of Scotland plc mis-sold them a payment protection insurance (“PPI”) policy.backgroundIn 1997 Mr and Mrs M took out a mortgage and at the same time a PPI policy was added to their account.Our adjudicator didn’t uphold the complaint.... (2 pages)View decision -
Decision Reference DRN0695699
2 Dec 2015 HSBC Bank plc Not upheldBanking and creditMs M complains that HSBC Bank Plc won’t transfer into her sole name the mortgage that she currently holds jointly with her ex-husband.backgroundMs M and her ex-husband, Mr M, jointly owned a house, subject to a joint mortgage with HSBC. In the divorce settlement the ... (2 pages)View decision -
Decision Reference DRN2201374
2 Dec 2015 Aviva Life & Pensions UK Limited Not upheldInvestment and pensionsMr H is unhappy that Aviva Life & Pensions UK Limited (Aviva) told him he could take his pension benefits at age 55 but has now said he can’t take it until age 65. background Mr H transferred his pension benefits from his employer’s pension scheme into a section 32 ... (2 pages)View decision -
Decision Reference DRN4259496
2 Dec 2015 Scottish Widows plc Not upheldInvestment and pensionsMr R complained that his Scottish Widows Plc (Scottish Widows) pension plan was mis-sold because his fund value isn’t guaranteed.backgroundMr R started his pension plan in 2011 through a Group Pension Policy (GPP) provided by his employer. His plan was invested in the Sc... (3 pages)View decision -
Decision Reference DRN5372432
2 Dec 2015 Clydesdale Bank Plc Not upheldBanking and creditJ complains it was mis-sold a fixed rate loan by Clydesdale Bank Plc.backgroundJ is a limited company. It took out a loan for £1,371,000 in January 2009 to refinance existing debts. £700,000 of this was taken at a fixed interest rate of 3.18% plus margin and costs;... (4 pages)View decision -
Decision Reference DRN9549268
2 Dec 2015 ACF Car Finance Limited UpheldPayment protection insurance (PPI)Mr and Mrs M say ACF Car Finance Limited (ACF) mis-sold them a payment protection insurance (PPI) policy with a loan. backgroundIn 2005 Mr and Mrs M took out a loan through ACF to buy a car. ACF also advised Mrs M to buy PPI. Mr and Mrs M borrowed extra to pay for... (2 pages)View decision -
Decision Reference DRN5731988
2 Dec 2015 ACF Car Finance Limited UpheldPayment protection insurance (PPI)Mr D complains that ACF Car Finance Limited (ACF) mis-sold him a payment protection insurance (PPI) policy. backgroundIn 2008, Mr D took out a £6,007 (not including interest) loan over 49 months to buy a car. At the same time, ACF sold him a life only PPI policy. Mr D bo... (2 pages)View decision -
Decision Reference DRN4195375
2 Dec 2015 Northern Bank Limited UpheldPayment protection insurance (PPI)Mr D has complained about a single premium payment protection insurance (PPI) policy sold to him by Northern Bank Limited (Northern Bank). backgroundIn 2005, Mr D took out a £15,000 loan over 5 years with Northern Bank. At the same time, Northern Bank sold him a PPI pol... (2 pages)View decision -
Decision Reference DRN2145554
2 Dec 2015 Chancery (UK) LLP Not upheldInvestment and pensionsA claims management company represents Mr B. It says Chancery (UK) LLP gave Mr B bad advice to invest in three film investment schemes and two enterprise zone schemes.backgroundOne of our adjudicators considered Mr B’s complaint. He thought it should not be upheld. He... (2 pages)View decision
