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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PDFMortgage Decision Reference 2019-0430

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Settlement Amount Offered

Outcome: Partially upheld

All Conducts Complained Of: Settlement amount (mortgage), Arrears handling (non- Mortgage Arears Resolution Process ), Delayed or inadequate communication

Year: 2019

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PDFPension Transfers Decision Reference 2019-0432

Sector: Investment

Product/Service: Pension

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

Outcome: Rejected

All Conducts Complained Of: Failure to provide product/service information, Mis-selling

Year: 2019

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PDFRepayment Mortgage Decision Reference 2019-0433

Sector: Banking

Product/Service: Mortgage

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide calculations, Delayed or inadequate communication

Year: 2019

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PDFOther Decision Reference 2019-0434

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, Dissatisfaction with customer service

Year: 2019

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PDFShares/Equities Investment Decision Reference 2019-0436

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (investment),

Year: 2019

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PDFPayment Protection Decision Reference 2019-0437

Sector: Insurance

Product/Service: Protection

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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PDFTravel Decision Reference 2019-0438

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Delayed or inadequate communication,

Year: 2019

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PDFIncome Protection and Permanent Health Decision Reference 2019-0439

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, Disagreement regarding Medical evidence submitted

Year: 2019

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PDFVariable Mortgage Decision Reference 2019-0440

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Partially upheld

All Conducts Complained Of: Application of interest rate,

Year: 2019

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PDFCurrent Account Decision Reference 2020-0001

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied ,

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0003

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Partially upheld

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

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0004

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to offer appropriate compensation or redress,

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0005

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 at point of sale, Failure to offer a tracker rate throughout the life of the mortgage

Year: 2020

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PDFHousehold Buildings Decision Reference 2020-0006

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Claim Handling

Outcome: Partially upheld

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

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0007

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: 2020

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PDFLeasing Agreements Decision Reference 2020-0008

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to provide correct information

Year: 2020

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PDFTravel Decision Reference 2020-0009

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim – cancellation/delay of transport ,

Year: 2020

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PDFInterest Only Decision Reference 2020-0010

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Delayed or inadequate communication,

Year: 2020

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PDFHousehold Contents Decision Reference 2020-0011

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 , Rejection of claim - theft or attempt theft

Year: 2020

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PDFMortgage Decision Reference 2020-0012

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2020

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