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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PDFVariable Mortgage Decision Reference 2019-0347

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Maladministration, Delayed or inadequate communication

Year: 2019

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PDFPrivate Health Insurance Decision Reference 2019-0348

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, Rejection of claim - pre-existing condition, Rejection of claim - waiting periods apply

Year: 2019

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PDFHousehold Buildings Decision Reference 2019-0349

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Dissatisfaction with customer service , Failure to consider vulnerability of customer

Year: 2019

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PDFHousehold Contents Decision Reference 2019-0350

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - theft or attempt theft, Poor wording/ambiguity of policy

Year: 2019

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PDFMotor Decision Reference 2019-0351

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - insurable interest,

Year: 2019

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PDFTracker Mortgage Decision Reference 2019-0352

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Substantially upheld

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

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0353

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Delayed or inadequate communication, Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2019

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PDFTerm Insurance Decision Reference 2019-0354

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Maladministration (life), Dissatisfaction with customer service

Year: 2019

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PDFMortgage Protection Decision Reference 2019-0355

Sector: Insurance

Product/Service: Protection

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Maladministration

Year: 2019

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PDFCar Decision Reference 2019-0356

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

All Conducts Complained Of: Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Failure to process instructions

Year: 2019

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PDFCar Decision Reference 2019-0357

Sector: Insurance

Product/Service: Motor

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

Outcome: Rejected

All Conducts Complained Of: Failure to advise on key product/service features, Mis-selling (motor), No claim bonus issues

Year: 2019

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PDFPrivate Health Insurance Decision Reference 2019-0358

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - treatment abroad,

Year: 2019

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PDFTravel Decision Reference 2019-0359

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Complaint handling (Consumer Protection Code)

Year: 2019

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PDFIncome Protection and Permanent Health Decision Reference 2019-0360

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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PDFDental Expenses Insurance Decision Reference 2019-0361

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, Dissatisfaction with customer service

Year: 2019

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PDFPersonal Pension Plan Decision Reference 2019-0362

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Value of policy at surrender less than expected or projected, Delayed or inadequate communication

Year: 2019

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PDFMortgage Decision Reference 2019-0363

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

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

Year: 2019

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PDFBonds Decision Reference 2019-0364

Sector: Investment

Product/Service: Investment

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide product/service information, Delayed or inadequate communication, Failure to advise on tax implications/tax relief

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0365

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2019

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PDFCar Decision Reference 2019-0366

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: No claim bonus issues, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2019

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