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 354994 results
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Decision Reference DRN8835083
9 Jun 2015 Barclays Bank Plc UpheldBanking and creditMr and Mrs E complain that Barclays Bank Plc changed the interest rate on their mortgage when it took it over from their previous lender, Bank I.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. She found that the Standard Variable Rate (SVR) w... (2 pages)View decision -
Decision Reference DRN3505729
9 Jun 2015 Pension & Financial Consultants Limited UpheldBanking and creditMrs M complains that Pension & Financial Consultants Limited (PFC) gave her unsuitable financial advice in 2007. Mrs M says she has suffered financial loss as a result. Mrs M’s complaint has been brought by her representative, Mr O.backgroundIn 2007 PFC met with Mr... (4 pages)View decision -
Decision Reference DRN9855762
9 Jun 2015 Yorkshire Building Society UpheldBanking and creditMr and Mrs S complain about the way that Yorkshire Building Society handled their mortgage application.backgroundMr and Mrs S held a mortgage with Yorkshire. They wanted to move home but weren’t sure if Yorkshire would be able to lend them as much money as they wante... (2 pages)View decision -
Decision Reference DRN5842300
9 Jun 2015 HSBC Bank plc Not upheldBanking and creditMr and Mrs C complain about charges that have been applied in relation to three foreign cheques paid into their account with HSBC Bank plc. backgroundMr and Mrs C received three substantial cheque payments in Euros. They say that, prior to arranging for payment to ... (3 pages)View decision -
Decision Reference DRN3512194
9 Jun 2015 Barclays Bank Plc UpheldBanking and creditMr P and Ms N complain that Barclays Bank PLC has ignored their request to change their mortgage from part repayment/part interest only to all repayment. They want Barclays to make the change and make up the difference in payments from March 2014 to date.Barclays has ... (2 pages)View decision -
Decision Reference DRN5046703
9 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMr W complains that Bank of Scotland plc wrongly allowed spending on his credit card that took him significantly over his credit limit. As a result, he’s been caused financial difficulties. He’d like the bank to refund the amount it authorised over his agreed limit, a... (2 pages)View decision -
Decision Reference DRN1814621
9 Jun 2015 National Westminster Bank Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr K either to accept or reject my decision before 9 July 2015. Rebecca Connelley ombudsman at the Financial Ombudsman ServicecomplaintMr K says that National Westminster Bank Plc did not provide a pay in ... (2 pages)View decision -
Decision Reference DRN6860577
9 Jun 2015 Pepper (UK) Limited UpheldBanking and creditMr and Mrs P complain that they have not been treated fairly by Pepper (UK) Limited, trading as Engage Credit, when they came to the end of their mortgage term.backgroundMr and Mrs P have an interest only mortgage with Engage. The term ended in December 2014. Some mo... (3 pages)View decision -
Decision Reference DRN5191505
9 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs P complain that an appointed representative of Legal & General Partnership Services Limited (“L&G”) wrongly advised them to consolidate unsecured debt when taking out a mortgage. They want L&G to repay their loss, plus interest.backgroundMr and Mrs... (2 pages)View decision -
Decision Reference DRN9968224
9 Jun 2015 Bank of Scotland Plc Not upheldInvestment and pensionsMrs Y is being represented by a claims management company. Her complaint about Bank of Scotland plc (trading as Halifax) concerns her life and critical illness insurance policy. Her representatives say the policy was mis-sold because she was told it was compulsory and was... (2 pages)View decision
