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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PDFTravel Decision Reference 2019-0285

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Delayed or inadequate communication, Claim handling delays or issues, Dissatisfaction with customer service , Failure to provide correct information, Maladministration

Year: 2019

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PDFPet Insurance Decision Reference 2019-0286

Sector: Insurance

Product/Service: Miscellaneous

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2019

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PDFPersonal Loan Decision Reference 2019-0287

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate, Dissatisfaction with customer service

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0288

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to offer a tracker rate throughout the life of the mortgage,

Year: 2019

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PDFApproved Minimum Retirement Fund AMRF Decision Reference 2019-0289

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Mis-selling

Outcome: Substantially upheld

All Conducts Complained Of: Failure to advise on revenue restrictions ,

Year: 2019

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PDFWhole-of-Life Decision Reference 2019-0290

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Accessibility issues, Dissatisfaction with customer service , Failure to process instructions in a timely manner, Fees & charges applied

Year: 2019

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PDFCredit Cards Decision Reference 2019-0291

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

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

Year: 2019

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PDFCredit Cards Decision Reference 2019-0292

Sector: Banking

Product/Service: Consumer Credit

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

Outcome: Rejected

All Conducts Complained Of: Failure to advise on key product/service features, Fees & charges applied

Year: 2019

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PDFMortgage Decision Reference 2019-0293

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0294

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Increase in interest rate, Failure to provide accurate account/balance information

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0295

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Arrears handling (non- Mortgage Arears Resolution Process ), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Maladministration

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0296

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Rejected

All Conducts Complained Of: Refusal to grant mortgage, Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2019

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PDFTravel Decision Reference 2019-0297

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - cancellation,

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0298

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to offer a tracker rate throughout the life of the mortgage,

Year: 2019

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PDFTravel Decision Reference 2019-0299

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Claim Handling

Outcome: Upheld

All Conducts Complained Of: Claim handling delays or issues, Disagreement regarding Settlement amount offered

Year: 2019

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PDFCurrent Account Decision Reference 2019-0300

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Upheld

All Conducts Complained Of: Refusals (banking), Maladministration

Year: 2019

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PDFDebit Card Decision Reference 2019-0301

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: 2019

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PDFIncome Protection and Permanent Health Decision Reference 2019-0302

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - did not meet policy definition of disability,

Year: 2019

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PDFPrivate Health Insurance Decision Reference 2019-0303

Sector: Insurance

Product/Service: Health, Accident and Other

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 2019-0305

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Dissatisfaction with customer service , Incorrect information sent to credit reference agency

Year: 2019

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