Ombudsman Decisions

Filter our Database

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

To narrow your search, you may also wish to select from the following:

How to search our decisions This image is the brochure cover of the PDF document how to search our database

 

Or search the database by decision reference number, if known:


There are 2348 decisions matching your query

 Page 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 

 

PDFInvestment Decision Reference 2018-0021

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Partially upheld

All Conducts Complained Of: Fees & charges applied , Delayed or inadequate communication

Year: 2018

View Document

PDFPersonal Loan Decision Reference 2018-0022

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Incorrect information sent to credit reference agency, Arrears handling , Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service

Year: 2018

View Document

PDFEndowment mortgage Decision Reference 2018-0023

Sector: Investment

Product/Service: Endowment

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Value of policy at surrender less than expected or projected, Failure to provide warning re. Nature of investment

Year: 2018

View Document

PDFPersonal Loan Decision Reference 2018-0024

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Maladministration

Year: 2018

View Document

PDFCheques Decision Reference 2018-0025

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

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

Year: 2018

View Document

PDFVariable Mortgage Decision Reference 2018-0026

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Substantially upheld

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Level of contact or communications re. Arrears, Maladministration

Year: 2018

View Document

PDFPersonal Loan Decision Reference 2018-0027

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Maladministration, Arrears handling , Incorrect information sent to credit reference agency

Year: 2018

View Document

PDFPersonal Pension Plan Decision Reference 2018-0028

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide correct information, Delayed or inadequate communication, Dissatisfaction with customer service , Failure to advise on key product/service features, Fees & charges applied

Year: 2018

View Document

PDFIncome Protection and Permanent Health Decision Reference 2018-0029

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - did not meet policy definition of disability, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service

Year: 2018

View Document

PDFInvestment/buy to Let Mortgage Decision Reference 2018-0030

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Wrongful consideration of forbearance request, Application of interest rate, Arrears handling - buy-to-let

Year: 2018

View Document

PDFCar Decision Reference 2018-0031

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - non-disclosure & voiding

Year: 2018

View Document

PDFCritical & Serious Illness Decision Reference 2018-0032

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

All Conducts Complained Of: Failure to provide correct information, Claim handling delays or issues

Year: 2018

View Document

PDFTravel Decision Reference 2018-0033

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - pre-existing condition

Year: 2018

View Document

PDFCritical & Serious Illness Decision Reference 2018-0034

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Substantially upheld

All Conducts Complained Of: Rejection of claim - non-disclosure & voiding

Year: 2018

View Document

PDFRepayment Mortgage Decision Reference 2018-0035

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Substantially upheld

All Conducts Complained Of: Refusal to grant mortgage, Failure to provide correct information

Year: 2018

View Document

PDFRepayment Mortgage Decision Reference 2018-0036

Sector: Banking

Product/Service: Mortgage

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

Outcome: Rejected

All Conducts Complained Of: Failure to advise on key product/service features, Delayed or inadequate communication

Year: 2018

View Document

PDFCar Decision Reference 2018-0037

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - reasonable care/security of vehicle

Year: 2018

View Document

PDFLoans Decision Reference 2018-0038

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2018

View Document

PDFShares/Equities Investment Decision Reference 2018-0039

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Delayed or inadequate communication

Year: 2018

View Document

PDFMultiple Products/Services Decision Reference 2018-0040

Sector: Insurance

Product/Service: Multiple Insurance Product/Service

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling

Year: 2018

View Document

 Page 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118