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 Protection Decision Reference 2020-0167

Sector: Insurance

Product/Service: Protection

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

Outcome: Rejected

All Conducts Complained Of: Failure to advise on key product/service features,

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0168

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Refusal to move existing tracker to a new mortgage product,

Year: 2020

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PDFTravel Decision Reference 2020-0169

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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PDFTravel Decision Reference 2020-0170

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 , Complaint handling (Consumer Protection Code)

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0171

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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PDFMultiple Products/Services Decision Reference 2020-0172

Sector: Banking

Product/Service: Multiple Banking Product/Service

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Dissatisfaction with customer service ,

Year: 2020

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PDFCredit Cards Decision Reference 2020-0175

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

All Conducts Complained Of: Accessibility issues, Delayed or inadequate communication, Refusals (banking)

Year: 2020

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PDFPersonal Loan Decision Reference 2020-0176

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Delayed or inadequate communication

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0177

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, Application of interest rate

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0178

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Selling mortgage to t/p provider , Delayed or inadequate communication, Failure to process instructions in a timely manner

Year: 2020

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PDFShares/Equities Investment Decision Reference 2020-0179

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (investment), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to consider suitability , Failure to consider vulnerability of customer, Failure to provide warning re. Nature of investment , Product

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0180

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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PDFMotorbike Decision Reference 2020-0181

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Automatic renewal, Dissatisfaction with customer service , Failure to process instructions

Year: 2020

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PDFHousehold Contents Decision Reference 2020-0182

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

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0183

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 ), Delayed or inadequate communication, Dissatisfaction with customer service , Selling mortgage to t/p provider

Year: 2020

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PDFCredit Cards Decision Reference 2020-0184

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Disputed transactions, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service

Year: 2020

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PDFProperty Investment Decision Reference 2020-0185

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Maladministration,

Year: 2020

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PDFCritical & Serious Illness Decision Reference 2020-0187

Sector: Insurance

Product/Service: Health, Accident and Other

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

Outcome: Rejected

All Conducts Complained Of: Misrepresentation (at point of sale or after),

Year: 2020

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PDFCredit Union Loan Decision Reference 2020-0188

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

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

Year: 2020

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PDFPrivate Health Insurance Decision Reference 2020-0189

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2020

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