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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PDFShares/Equities Investment Decision Reference 2019-0327

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions,

Year: 2019

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PDFVariable Mortgage Decision Reference 2019-0328

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Failure to provide correct information, Maladministration, Selling mortgage to t/p provider

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0329

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Failure to provide information/correct information

Outcome: Partially upheld

All Conducts Complained Of: Errors in calculations,

Year: 2019

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PDFHousehold Buildings Decision Reference 2019-0330

Sector: Insurance

Product/Service: Home and/or Property

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

Outcome: Partially upheld

All Conducts Complained Of: Misrepresentation (at point of sale or after), Dissatisfaction with customer service , Mis-selling (insurance)

Year: 2019

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PDFUnit Linked Whole-of-Life Decision Reference 2019-0331

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Failure to provide information/correct information

Outcome: Partially upheld

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews, Delayed or inadequate communication

Year: 2019

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PDFMultiple Products/Services Decision Reference 2019-0332

Sector: Insurance

Product/Service: Multiple Insurance Product/Service

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues,

Year: 2019

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PDFPersonal Loan Decision Reference 2019-0333

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Appointment of debt collection agency , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2019

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PDFUnit Linked Whole-of-Life Decision Reference 2019-0334

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Failure to provide information/correct information

Outcome: Partially upheld

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews,

Year: 2019

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PDFHospital Cash Plan Decision Reference 2019-0335

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim,

Year: 2019

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PDFCar Decision Reference 2019-0336

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim,

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0337

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Level of contact or communications re. Arrears,

Year: 2019

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PDFIncome Protection and Permanent Health Decision Reference 2019-0338

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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PDFIncome Protection and Permanent Health Decision Reference 2019-0339

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions,

Year: 2019

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PDFProperty Investment Decision Reference 2019-0340

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Failure to process instructions,

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0341

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Partially upheld

All Conducts Complained Of: Failure to apply a tracker rate at a point in time, Failure to apply the correct tracker rate

Year: 2019

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PDFIncome Protection and Permanent Health Decision Reference 2019-0342

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2019

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PDFMultiple Products/Services Decision Reference 2019-0343

Sector: Banking

Product/Service: Multiple Banking Product/Service

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2019

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PDFCritical & Serious Illness Decision Reference 2019-0344

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Delayed or inadequate communication, Disagreement regarding Medical evidence submitted , Poor wording/ambiguity of policy, Rejection of claim - did not meet policy definition of illness

Year: 2019

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PDFDirect Debit Decision Reference 2019-0345

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Disputed transactions, Failure to process instructions

Year: 2019

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PDFPrivate Health Insurance Decision Reference 2019-0346

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner,

Year: 2019

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