Ombudsman Decisions

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Last Updated on 28th March 2024 with decisions up to the end of December 2023.

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There are 2348 decisions matching your query

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PDFPayment Protection Decision Reference 2019-0118

Sector: Insurance

Product/Service: Protection

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - fit to return to work,

Year: 2019

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PDFTravel Decision Reference 2019-0119

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - late notification,

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0120

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Selling mortgage to t/p provider ,

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0121

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Failure to process instructions, Dissatisfaction with customer service , Failure to provide correct information, Maladministration

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0122

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Failure to implement payment terms,

Year: 2019

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PDFCredit Union Loan Decision Reference 2019-0123

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Off set savings/shares to loan,

Year: 2019

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PDFMortgage Decision Reference 2019-0124

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied (mortgage), Application of interest rate

Year: 2019

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PDFWhole-of-Life Decision Reference 2019-0125

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Maladministration (life), Poor wording/ambiguity of policy, Results of policy review/failure to notify of policy reviews

Year: 2019

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PDFCurrent Account Decision Reference 2019-0126

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Dissatisfaction with customer service ,

Year: 2019

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PDFHousehold Buildings Decision Reference 2019-0127

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions,

Year: 2019

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PDFPersonal Loan Decision Reference 2019-0128

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Substantially upheld

All Conducts Complained Of: Increase in interest rate, Application of interest rate

Year: 2019

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PDFPersonal Loan Decision Reference 2019-0129

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (banking),

Year: 2019

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PDFHousehold Buildings Decision Reference 2019-0130

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - non-disclosure, Maladministration

Year: 2019

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PDFHousehold Buildings Decision Reference 2019-0131

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - non-disclosure & voiding , Claim handling delays or issues

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0132

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Application of interest rate, Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2019

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PDFPersonal Pension Plan Decision Reference 2019-0133

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Advice Incorrect/Unsuitable (post sale)

Outcome: Partially upheld

All Conducts Complained Of: Failure to advise on key product/service features,

Year: 2019

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PDFCurrent Account Decision Reference 2019-0134

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service , Delayed or inadequate communication, Miscellaneous

Year: 2019

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PDFMortgage Decision Reference 2019-0135

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Lost or mislaid title deeds,

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0136

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling (non- Mortgage Arears Resolution Process ),

Year: 2019

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PDFTravel Decision Reference 2019-0137

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - pre-existing condition, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2019

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