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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PDFRepayment Mortgage Decision Reference 2020-0055

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Delayed or inadequate communication, Arrears handling - Mortgage Arears Resolution Process

Year: 2020

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PDFPayment Protection Decision Reference 2020-0056

Sector: Insurance

Product/Service: Protection

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

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

Year: 2020

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PDFHousehold Buildings Decision Reference 2020-0057

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - subsidence or heave,

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0059

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling, Dissatisfaction with customer service

Year: 2020

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PDFFixed Rate Decision Reference 2020-0060

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

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0061

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, Failure to offer a tracker rate at point of sale

Year: 2020

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PDFDental Expenses Insurance Decision Reference 2020-0062

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, Claim handling delays or issues, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2020

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PDFSavings Account Decision Reference 2020-0063

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Delayed or inadequate communication, Failure to provide adequate security measures

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0064

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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PDFCar Decision Reference 2020-0065

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service , Refusal to insure - failure to renew policy

Year: 2020

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PDFTravel Decision Reference 2020-0066

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - cancellation, Poor wording/ambiguity of policy

Year: 2020

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PDFOther Decision Reference 2020-0067

Sector: Insurance

Product/Service: Motor

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to advise on key product/service features, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2020

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PDFTravel Decision Reference 2020-0068

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (insurance), Delayed or inadequate communication

Year: 2020

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PDFVan Decision Reference 2020-0069

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service ,

Year: 2020

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PDFInterest Only Decision Reference 2020-0070

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Maladministration (mortgage), Dissatisfaction with customer service , Failure to process instructions

Year: 2020

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PDFOpening/Closing Accounts Decision Reference 2020-0071

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Dissatisfaction with customer service , Failure to consider vulnerability of customer, Failure to provide notification /reason for closure

Year: 2020

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PDFPersonal Loan Decision Reference 2020-0072

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

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

Year: 2020

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PDFDebit Card Decision Reference 2020-0073

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Handling of fraudulent transactions, Dissatisfaction with customer service

Year: 2020

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PDFPrivate Health Insurance Decision Reference 2020-0074

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2020

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PDFLoans Decision Reference 2020-0075

Sector: Banking

Product/Service: Commercial Banking

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

Outcome: Rejected

All Conducts Complained Of: Errors in calculations,

Year: 2020

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