complaints data – showing individual financial businesses

The two tables of figures below cover the six months from 01 Jul to 31 Dec 2017. The figures will help people to see how individual financial businesses handled their customer complaints. The tables show:

  • new cases
    The number of new cases received by the ombudsman service in this six-month period – from consumers dissatisfied with the financial business’s response to their complaint. This number is likely to reflect the size of the business involved.
  • resolved cases
    The percentage of resolved cases where the ombudsman service made a change in favour of the consumer. This change could range from £1 to £150,000.

These figures cover financial businesses only where we received at least 30 new cases and resolved at least 30 cases in the six-month period from 01 Jul to 31 Dec 2017. Complaints relating to these businesses made up around 90% of the total number of cases handled by the ombudsman service in this period.

Any questions? See our special FAQs for more details on our complaints data.

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older data
You can also look at complaints data relating to previous six-monthly periods – but please note that business names (and brand or trading names) may have changed between periods.

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sorting tables by different headings
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business name
business group
% resolved in favour of consumer
(average for all businesses = 34%)
% resolved in favour of consumer – by complaint category
(and average figure for all businesses – for comparison)
banking and credit
(average for all businesses = 32%)
mortgages and home finance
(average for all businesses = 24%)
general insurance
(excluding PPI)
(average for all businesses = 30%)
PPI
(average for all businesses = 37%)
Plevin
(total for all businesses = 47751)
investments
(average for all businesses = 29%)
life & pensions and decumulation
(average for all businesses = 27%)
Cheque Centres Limited No Group 82% 83% 0% 0% 0% 0 0% 0%
HFC Bank Limited HSBC (GS) 82% 0% 0% 0% 82% 0 0% 0%
DSG Retail Limited No Group 79% 0% 0% 0% 0% 0 0% 0%
Aviva Insurance Limited AVIVA 77% 0% 0% 32% 96% 0 0% 0%
Shop Direct Finance Company Limited No Group 73% 53% 0% 0% 88% 0 0% 0%
Casheuronet UK LLC No Group 72% 72% 0% 0% 0% 0 0% 0%
Active Securities Limited No Group 70% 70% 0% 0% 0% 0 0% 0%
Express Finance (Bromley) Limited No Group 69% 69% 0% 0% 0% 0 0% 0%
Alliance Trust Savings Limited No Group 66% 0% 0% 0% 0% 0 72% 0%
MEM Consumer Finance Limited No Group 66% 67% 0% 0% 33% 0 0% 0%
CHUBB European Group Limited No Group 64% 0% 0% 63% 0% 0 0% 0%
American Express Services Europe Limited No Group 63% 20% 0% 0% 97% 0 0% 0%
Clydesdale Bank Plc No Group 63% 14% 16% 0% 90% 0 0% 0%
DFS Trading Limited No Group 63% 0% 0% 0% 64% 0 0% 0%
Kapama Limited No Group 63% 63% 0% 0% 0% 0 0% 0%
Indigo Michael Limited No Group 61% 61% 0% 0% 0% 0 0% 0%
Stonebridge International Insurance Ltd No Group 61% 0% 0% 61% 0% 0 0% 0%
R. Raphael & Sons Plc No Group 58% 57% 0% 0% 67% 0 0% 0%
Telefonica Insurance S.A. No Group 58% 0% 0% 58% 0% 0 0% 0%
Capital One (Europe) plc No Group 57% 23% 0% 0% 60% 0 0% 0%
Elevate Credit International Limited No Group 56% 56% 0% 0% 0% 0 0% 0%
CURO TRANSATLANTIC LIMITED No Group 55% 55% 0% 0% 0% 0 0% 0%
Lending Stream Llc No Group 55% 55% 0% 0% 0% 0 0% 0%
Insurance Factory Ltd No Group 53% 0% 0% 53% 0% 0 0% 0%
MYJAR Limited No Group 53% 53% 0% 0% 0% 0 0% 0%
PDL Finance Limited No Group 53% 53% 0% 0% 0% 0 0% 0%
WDFC UK Limited No Group 53% 53% 0% 0% 0% 0 0% 0%
British Gas Services Limited No Group 52% 0% 0% 53% 0% 0 0% 0%
Creation Consumer Finance Ltd No Group 52% 48% 0% 0% 85% 0 0% 0%
RCI Financial Services Limited No Group 52% 51% 0% 0% 0% 0 0% 0%
Instant Cash Loans Limited No Group 51% 52% 0% 0% 0% 0 0% 0%
Towergate Underwriting Group Limited No Group 50% 0% 0% 50% 0% 0 0% 0%
Unum Ltd No Group 50% 0% 0% 50% 0% 0 0% 0%
Elite Insurance Company Limited No Group 49% 0% 0% 49% 0% 0 0% 0%
IGO4 Limited No Group 49% 0% 0% 48% 0% 0 0% 0%
John Lewis Financial Services Limited HSBC (GS) 49% 50% 0% 0% 0% 0 0% 0%
Shawbrook Bank Limited No Group 49% 52% 0% 0% 0% 0 0% 0%
MBNA Limited BANK OF AMERICA MERRILL LYNCH GROUP 48% 11% 0% 0% 54% 6679 0% 0%
Wirecard Card Solutions Limited No Group 48% 48% 0% 0% 0% 0 0% 0%
Mapfre Asistencia, Compania Internacional De Seguros y Reaseguros, S.A. No Group 47% 0% 0% 47% 0% 0 0% 0%
Openwork Limited OPENWORK 47% 0% 0% 0% 50% 0 0% 0%
Telefonica UK Limited No Group 47% 47% 0% 0% 0% 0 0% 0%
Elderbridge Limited No Group 46% 0% 46% 0% 0% 0 0% 0%
Europaische Reiseversicherung AG No Group 46% 0% 0% 46% 0% 0 0% 0%
NewDay Ltd No Group 46% 43% 0% 0% 81% 0 0% 0%
Arval UK Limited No Group 45% 45% 0% 0% 0% 0 0% 0%
Avantcredit Of Uk, Llc No Group 45% 45% 0% 0% 0% 0 0% 0%
Uncle Buck Finance LLP No Group 45% 45% 0% 0% 0% 0 0% 0%
Cash On Go Limited No Group 44% 44% 0% 0% 0% 0 0% 0%
FirstRand Bank Limited No Group 44% 43% 0% 0% 40% 0 0% 0%
Inter Partner Assistance SA No Group 44% 0% 0% 44% 0% 0 0% 0%
Asurion Europe Limited No Group 43% 0% 0% 43% 0% 0 0% 0%
First Response Finance Ltd No Group 43% 41% 0% 0% 0% 0 0% 0%
Skyfire Insurance Company Limited No Group 43% 0% 0% 43% 0% 0 0% 0%
Ulster Bank Ltd THE ROYAL BANK OF SCOTLAND GROUP 43% 36% 0% 0% 82% 99 0% 0%
FCE Bank Plc No Group 42% 42% 0% 0% 0% 0 0% 0%
Startline Motor Finance Limited No Group 42% 42% 0% 0% 0% 0 0% 0%
Advanced Payment Solutions Limited No Group 41% 41% 0% 0% 0% 0 0% 0%
British Gas Insurance Limited No Group 41% 0% 0% 41% 0% 0 0% 0%
Experian Limited No Group 41% 41% 0% 0% 0% 0 0% 0%
Liberty Mutual Insurance Europe Limited No Group 41% 0% 0% 41% 0% 0 0% 0%
WorldPay (UK) Limited No Group 41% 41% 0% 0% 0% 0 0% 0%
Caversham Finance Limited No Group 40% 44% 0% 0% 0% 0 0% 0%
DJS (UK) Limited No Group 40% 40% 0% 0% 0% 0 0% 0%
St Andrew's Insurance plc LLOYDS 40% 0% 0% 27% 41% 50 0% 0%
The Royal Bank of Scotland Plc THE ROYAL BANK OF SCOTLAND GROUP 40% 27% 32% 0% 56% 3567 32% 0%
Advantage Finance Ltd No Group 39% 39% 0% 0% 0% 0 0% 0%
First Central Insurance Management Ltd No Group 39% 0% 0% 39% 0% 0 0% 0%
Mercedes-Benz Financial Services UK Limited No Group 39% 39% 0% 0% 0% 0 0% 0%
Motormile Finance UK Limited No Group 39% 39% 0% 0% 0% 0 0% 0%
RAC Insurance Limited No Group 39% 0% 0% 39% 0% 0 0% 0%
Union Reiseversicherung AG No Group 39% 0% 0% 39% 0% 0 0% 0%
Amtrust International Underwriters DAC No Group 38% 0% 0% 39% 0% 0 0% 0%
Legal & General Insurance Limited LEGAL & GENERAL 38% 0% 0% 39% 0% 0 0% 0%
Marks & Spencer Financial Services plc HSBC (GS) 38% 20% 0% 0% 65% 0 0% 0%
Santander Cards UK Limited SANTANDER UK 38% 0% 0% 0% 41% 128 0% 0%
Santander Consumer (UK) Plc SANTANDER UK 38% 39% 0% 0% 0% 0 0% 0%
Assurant General Insurance Limited No Group 37% 0% 0% 37% 50% 0 0% 0%
Black Horse Limited LLOYDS 37% 24% 0% 0% 63% 308 0% 0%
Close Brothers Limited No Group 37% 40% 0% 0% 0% 0 0% 0%
Creation Financial Services Limited No Group 37% 36% 0% 0% 75% 0 0% 0%
DAS Legal Expenses Insurance Company Limited No Group 37% 0% 0% 37% 0% 0 0% 0%
Scottish Friendly Assurance Society Limited No Group 37% 0% 0% 0% 0% 0 0% 0%
Swinton Group Ltd No Group 37% 0% 0% 37% 0% 0 0% 0%
AXA Insurance UK Plc AXA 36% 0% 0% 36% 67% 0 0% 0%
Barclays Bank Plc BARCLAYS (GS) 36% 29% 23% 29% 43% 13681 52% 10%
Domestic & General Insurance Plc No Group 36% 0% 0% 36% 0% 0 0% 0%
First Rate Exchange Services Ltd No Group 36% 36% 0% 0% 0% 0 0% 0%
Lloyds Bank General Insurance Limited LLOYDS 36% 0% 0% 33% 0% 0 0% 0%
The Car Finance Company (2007) Ltd No Group 36% 35% 0% 0% 0% 0 0% 0%
Bank of Ireland (UK) Plc BANK OF IRELAND 35% 37% 19% 0% 53% 0 0% 0%
Be Wiser Insurance Services Ltd No Group 35% 0% 0% 35% 0% 0 0% 0%
HSBC Bank plc HSBC (GS) 35% 24% 21% 12% 48% 0 37% 0%
J D Williams & Company Limited No Group 35% 30% 0% 0% 86% 0 0% 0%
Advantage Insurance Company Limited No Group 34% 0% 0% 34% 0% 0 0% 0%
Moneybarn No. 1 Limited No Group 34% 34% 0% 0% 0% 0 0% 0%
Provident Personal Credit Limited No Group 34% 34% 0% 0% 0% 0 0% 0%
Red Sands Insurance Company (Europe) Limited No Group 34% 0% 0% 34% 0% 0 0% 0%
Saga Services Limited No Group 34% 0% 0% 35% 0% 0 0% 0%
Ageas Insurance Limited AGEAS 33% 0% 0% 33% 0% 0 0% 0%
Ald Automotive Limited No Group 33% 33% 0% 0% 0% 0 0% 0%
Arrow Global Limited No Group 33% 38% 0% 0% 0% 0 0% 0%
Europa Group Limited No Group 33% 0% 0% 33% 0% 0 0% 0%
NRAM Limited No Group 33% 0% 30% 0% 0% 0 0% 0%
The Society of Lloyd's No Group 33% 0% 0% 34% 0% 0 0% 0%
Vanquis Bank Limited No Group 33% 33% 0% 0% 0% 0 0% 0%
Amigo Loans Ltd No Group 32% 32% 0% 0% 0% 0 0% 0%
Automobile Association Insurance Services Limited No Group 32% 0% 0% 32% 0% 0 0% 0%
Citibank Europe plc No Group 32% 34% 0% 0% 0% 0 0% 0%
Hastings Insurance Services Limited No Group 32% 0% 0% 32% 0% 0 0% 0%
Mortgage Express UK ASSET RESOLUTION 32% 0% 32% 0% 0% 0 0% 0%
Zenith Insurance plc No Group 32% 0% 0% 32% 0% 0 0% 0%
Acromas Insurance Company Limited No Group 31% 0% 0% 31% 0% 0 0% 0%
Amtrust Europe Limited No Group 31% 0% 0% 31% 0% 0 0% 0%
Clydesdale Financial Services Limited BARCLAYS (GS) 31% 30% 0% 0% 0% 0 0% 0%
FCA Automotive Services UK Ltd No Group 31% 31% 0% 0% 0% 0 0% 0%
NRAM plc No Group 31% 0% 25% 0% 42% 0 0% 0%
Paragon Finance Plc No Group 31% 0% 0% 0% 0% 0 0% 0%
Pinnacle Insurance Plc No Group 31% 0% 0% 28% 40% 0 0% 0%
PSA Finance UK Limited No Group 31% 32% 0% 0% 17% 0 0% 0%
Secure Trust Bank Plc No Group 31% 28% 0% 0% 0% 0 0% 0%
Vitality Health Limited No Group 31% 0% 0% 31% 0% 0 0% 0%
Welcome Financial Services Limited No Group 31% 0% 0% 0% 33% 0 0% 0%
Ageas Retail Limited AGEAS 30% 0% 0% 30% 0% 0 0% 0%
BMW Financial Services (GB) Limited No Group 30% 28% 0% 0% 0% 0 0% 0%
Financial Insurance Company Limited No Group 30% 0% 0% 0% 30% 0 0% 0%
Lloyds Bank PLC LLOYDS 30% 16% 15% 16% 34% 15269 17% 0%
Sesame Limited AVIVA 30% 0% 0% 0% 0% 0 0% 0%
Vauxhall Finance plc No Group 30% 30% 0% 0% 0% 0 0% 0%
BISL Limited No Group 29% 0% 0% 29% 0% 0 0% 0%
Calpe Insurance Company Limited No Group 29% 0% 0% 29% 0% 0 0% 0%
Friends Life and Pensions Limited AVIVA 29% 0% 0% 0% 0% 0 0% 0%
Horizon Insurance Company Limited No Group 29% 0% 0% 29% 0% 0 0% 0%
St. James's Place Wealth Management Plc ST JAMES PLACE 29% 0% 0% 0% 0% 0 0% 0%
Sun Life Assurance Company of Canada (U.K.) Limited No Group 29% 0% 0% 0% 0% 0 0% 24%
Tesco Underwriting Limited AGEAS 29% 0% 0% 29% 0% 0 0% 0%
Admiral Insurance Company Limited ADMIRAL GROUP 28% 0% 0% 28% 0% 0 0% 0%
AXA PPP Healthcare Limited AXA 28% 0% 0% 28% 0% 0 0% 0%
Connells Limited SKIPTON GROUP 28% 0% 0% 0% 15% 0 0% 0%
National Westminster Bank Plc THE ROYAL BANK OF SCOTLAND GROUP 28% 26% 30% 8% 40% 3248 19% 0%
Sabre Insurance Company Limited No Group 28% 0% 0% 28% 0% 0 0% 0%
Great Lakes Insurance SE No Group 27% 0% 0% 26% 50% 0 0% 0%
Home Retail Group Card Services Limited No Group 27% 27% 0% 0% 0% 0 0% 0%
National House-Building Council No Group 27% 0% 0% 27% 0% 0 0% 0%
Northern Bank Limited No Group 27% 16% 0% 0% 31% 0 0% 0%
One Call Insurance Services Limited No Group 27% 0% 0% 27% 0% 0 0% 0%
Tesco Personal Finance PLC TESCO PERSONAL FINANCE 27% 20% 0% 28% 55% 0 0% 0%
The Co-operative Bank Plc No Group 27% 22% 26% 0% 35% 2 0% 0%
BUPA Insurance Limited BUPA 26% 0% 0% 26% 0% 0 0% 0%
Canada Square Operations Limited CITI - EMEA GROUP 26% 0% 0% 0% 26% 0 0% 0%
London General Insurance Company Limited No Group 26% 0% 0% 27% 0% 0 0% 0%
Santander UK Plc SANTANDER UK 26% 25% 27% 14% 29% 344 28% 0%
Southern Rock Insurance Company Limited No Group 26% 0% 0% 26% 0% 0 0% 0%
Friends Life Limited AVIVA 25% 0% 0% 16% 0% 0 0% 36%
Hyperformance Ltd No Group 25% 0% 0% 25% 0% 0 0% 0%
Kensington Mortgage Company Limited No Group 25% 0% 25% 0% 0% 0 0% 0%
Leeds Building Society No Group 25% 0% 0% 0% 19% 0 0% 0%
Metro Bank PLC No Group 25% 25% 0% 0% 0% 0 0% 0%
The Mortgage Works (UK) Plc NATIONWIDE 25% 0% 24% 0% 0% 0 0% 0%
Covea Insurance plc No Group 24% 0% 0% 23% 40% 0 0% 0%
Eldon Insurance Services Ltd No Group 24% 0% 0% 24% 0% 0 0% 0%
Royal & Sun Alliance Insurance Plc RSA INSURANCE UK 24% 0% 0% 24% 0% 0 0% 0%
West Bromwich Building Society No Group 24% 0% 0% 0% 21% 0 0% 0%
Bank of Scotland Plc LLOYDS 23% 11% 17% 17% 26% 3885 5% 0%
Express Gifts Ltd No Group 23% 24% 0% 0% 0% 0 0% 0%
Hitachi Capital (UK) Plc No Group 23% 23% 0% 0% 0% 0 0% 0%
LeasePlan UK Limited No Group 23% 23% 0% 0% 0% 0 0% 0%
Countrywide Principal Services Limited No Group 22% 0% 0% 0% 25% 0 0% 0%
Hargreaves Lansdown Asset Management Limited No Group 22% 0% 0% 0% 0% 0 0% 0%
Lex Autolease Limited No Group 22% 22% 0% 0% 0% 0 0% 0%
Markerstudy Insurance Company Limited No Group 22% 0% 0% 22% 0% 0 0% 0%
PayPal Europe Sarl & Cie, SCA No Group 22% 22% 0% 0% 0% 0 0% 0%
Sainsbury's Bank Plc No Group 22% 21% 0% 0% 0% 0 0% 0%
Standard Life Assurance Limited STANDARD LIFE 22% 0% 0% 0% 0% 0 0% 25%
TSB Bank plc No Group 22% 22% 27% 0% 0% 0 0% 0%
UK Insurance Limited DIRECT LINE GROUP 22% 0% 0% 22% 50% 0 0% 0%
Volkswagen Financial Services (UK) Limited No Group 22% 22% 0% 0% 0% 0 0% 0%
Home Retail Group Insurance Services Limited No Group 21% 0% 0% 0% 21% 0 0% 0%
Link Financial Outsourcing Limited No Group 21% 22% 0% 0% 0% 0 0% 0%
Liverpool Victoria Insurance Company Limited LIVERPOOL VICTORIA GROUP 21% 0% 0% 21% 0% 0 0% 0%
Abbey Life Assurance Company Limited No Group 20% 0% 0% 0% 0% 0 0% 14%
Allianz Insurance Plc No Group 20% 0% 0% 32% 15% 0 0% 0%
Aviva Life & Pensions UK Limited AVIVA 20% 0% 0% 0% 0% 0 16% 23%
Virgin Money plc No Group 20% 20% 0% 0% 0% 0 0% 0%
EUI Limited ADMIRAL GROUP 19% 0% 0% 19% 0% 0 0% 0%
Zurich Assurance Ltd No Group 19% 0% 0% 6% 0% 0 0% 22%
Equifax Limited No Group 18% 18% 0% 0% 0% 0 0% 0%
Liverpool Victoria Friendly Society Limited LIVERPOOL VICTORIA GROUP 18% 0% 0% 0% 0% 0 0% 0%
ReAssure Limited No Group 18% 0% 0% 13% 0% 0 0% 18%
Scottish Equitable Plc AEGON GROUP 18% 0% 0% 0% 0% 0 0% 21%
CIS General Insurance Limited No Group 17% 0% 0% 18% 0% 0 0% 0%
esure Insurance Limited No Group 17% 0% 0% 17% 0% 0 0% 0%
National Savings and Investments No Group 17% 17% 0% 0% 0% 0 0% 0%
AIB Group (UK) Plc No Group 16% 10% 0% 0% 24% 35 0% 0%
Skipton Building Society SKIPTON GROUP 16% 0% 0% 0% 11% 0 0% 0%
The Royal London Mutual Insurance Society Limited ROYAL LONDON GROUP 16% 0% 0% 15% 0% 0 13% 19%
Zurich Insurance PLC No Group 16% 0% 0% 16% 0% 0 0% 0%
Cabot Credit Management Group Limited No Group 15% 15% 0% 0% 0% 0 0% 0%
Madison CF UK Limited No Group 15% 15% 0% 0% 0% 0 0% 0%
Phoenix Life Assurance Limited PHOENIX GROUP 15% 0% 0% 0% 0% 0 0% 16%
Phoenix Life Limited PHOENIX GROUP 15% 0% 0% 10% 0% 0 14% 17%
PRA Group (UK) Limited No Group 15% 13% 0% 0% 0% 0 0% 0%
Cheltenham & Gloucester plc LLOYDS 14% 0% 0% 0% 14% 237 0% 0%
Countrywide Assured Plc No Group 14% 0% 0% 0% 0% 0 0% 0%
Lowell Financial Ltd No Group 14% 14% 0% 0% 0% 0 0% 0%
The Prudential Assurance Company Limited PRUDENTIAL PLC 14% 0% 0% 0% 13% 0 14% 14%
Legal & General Partnership Services Limited LEGAL & GENERAL 13% 0% 0% 0% 20% 0 0% 0%
Scottish Widows Limited LLOYDS 13% 0% 0% 0% 0% 0 0% 17%
Arnold Clark Automobiles Limited No Group 12% 0% 0% 0% 6% 0 0% 0%
Nationwide Building Society NATIONWIDE 12% 27% 23% 0% 4% 225 27% 0%
The National Farmers' Union Mutual Insurance Society Limited No Group 12% 0% 0% 12% 0% 0 0% 0%
Pepper (UK) Limited No Group 11% 0% 11% 0% 0% 0 0% 0%
Halifax Share Dealing Limited LLOYDS 10% 0% 0% 0% 0% 0 10% 0%
MoneyGram International Limited No Group 9% 9% 0% 0% 0% 0 0% 0%
Newcastle Building Society No Group 9% 0% 0% 0% 7% 0 0% 0%
Yorkshire Building Society YORKSHIRE 8% 14% 14% 0% 6% 0 0% 0%
Bradford & Bingley Plc UK ASSET RESOLUTION 7% 0% 0% 0% 5% 0 0% 0%
Legal and General Assurance Society Limited LEGAL & GENERAL 6% 0% 0% 5% 0% 0 0% 7%
Coventry Building Society No Group 0% 0% 0% 0% 0% 0 0% 0%

This table shows the percentage of cases the ombudsman service resolved in the six-month period from 01 Jul to 31 Dec 2017 – that resulted in a change in outcome in favour of the consumer (comparing the financial business's response to the consumer's complaint and the final outcome after our involvement).

As set out in our feedback statement on complaints data publication, we will not be reporting the outcome of certain complaints that fall under the scope of the FCA’s rules and guidance on Plevin vs Paragon Personal Finance Ltd. This exception applies to complaints that were received by our service by 29 August 2017 and resolved by 30 June 2018. Instead these complaints will be reported by volume only.

see below for informationWhere no data is shown, either there were no cases or there were fewer than 30 cases and the percentage would not be statistically meaningful.

For more details of the different financial products covered by the five main complaint categories, please see the full list of complaint product-codes [PDF format].

business name: the names listed alphabetically are the official names by which businesses are regulated.
business group: this is the name of any larger group that the individual business was part of at the end of the six-month period.