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 

 

PDFPrivate Health Insurance Decision Reference 2019-0265

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Settlement Amount Offered

Outcome: Partially upheld

All Conducts Complained Of: Disagreement regarding Settlement amount offered,

Year: 2019

View Document

PDFPersonal Loan Decision Reference 2019-0266

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling , Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2019

View Document

PDFRepayment Mortgage Decision Reference 2019-0267

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Partially upheld

All Conducts Complained Of: Fees & charges applied , Arrears handling (non- Mortgage Arears Resolution Process ), Delayed or inadequate communication, Legal fees charged, Level of contact or communications re. Arrears

Year: 2019

View Document

PDFWhole-of-Life Decision Reference 2019-0268

Sector: Insurance

Product/Service: Life

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

Outcome: Upheld

All Conducts Complained Of: Misrepresentation (at point of sale or after),

Year: 2019

View Document

PDFPrivate Health Insurance Decision Reference 2019-0269

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Substantially upheld

All Conducts Complained Of: Lapse/cancellation of policy, Dissatisfaction with customer service , Failure to process instructions, Failure to process instructions in a timely manner

Year: 2019

View Document

PDFCash Investment Decision Reference 2019-0270

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Early withdrawal penalty ,

Year: 2019

View Document

PDFRepayment Mortgage Decision Reference 2019-0271

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Premature ceasing of arrears negotiations, Appointment of debt collection agency , Arrears handling (non- Mortgage Arears Resolution Process ), Delayed or inadequate communication, Disputed transactions, Dissatisfaction with customer service , Errors in

Year: 2019

View Document

PDFCurrent Account Decision Reference 2019-0272

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration,

Year: 2019

View Document

PDFRepayment Mortgage Decision Reference 2019-0273

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide correct information, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2019

View Document

PDFRepayment Mortgage Decision Reference 2019-0274

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate, Delayed or inadequate communication

Year: 2019

View Document

PDFLending Decision Reference 2019-0275

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate,

Year: 2019

View Document

PDFMobile Phone Decision Reference 2019-0276

Sector: Insurance

Product/Service: Miscellaneous

Primary Conduct Complained Of: Claim Handling

Outcome: Partially upheld

All Conducts Complained Of: Claim handling delays or issues, Complaint handling (Consumer Protection Code) , Failure to process instructions in a timely manner

Year: 2019

View Document

PDFCredit Cards Decision Reference 2019-0277

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Dissatisfaction with customer service , Fees & charges applied , Maladministration

Year: 2019

View Document

PDFOpening/Closing Accounts Decision Reference 2019-0278

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Maladministration,

Year: 2019

View Document

PDFCredit Cards Decision Reference 2019-0279

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Substantially upheld

All Conducts Complained Of: Disputed transactions,

Year: 2019

View Document

PDFOther Decision Reference 2019-0280

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - reasonable care/security of vehicle, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to process instructions in a timely manner

Year: 2019

View Document

PDFTravel Decision Reference 2019-0281

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Substantially upheld

All Conducts Complained Of: Rejection of claim - cancellation, Dissatisfaction with customer service

Year: 2019

View Document

PDFOther Decision Reference 2019-0282

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Settlement Amount Offered

Outcome: Partially upheld

All Conducts Complained Of: Disagreement regarding Settlement amount offered,

Year: 2019

View Document

PDFRepayment Mortgage Decision Reference 2019-0283

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

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

Year: 2019

View Document

PDFTracker Mortgage Decision Reference 2019-0284

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Failure to provide correct information, Failure to provide product/service information

Year: 2019

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