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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PDFTerm Insurance Decision Reference 2020-0190

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Mis-selling

Outcome: Substantially upheld

All Conducts Complained Of: Mis-selling (insurance), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Misrepresentation (at point of sale or after)

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0191

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: 2020

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PDFCurrent Account Decision Reference 2020-0192

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service ,

Year: 2020

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PDFMultiple Products/Services Decision Reference 2020-0193

Sector: Banking

Product/Service: Multiple Banking Product/Service

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

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

Year: 2020

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PDFLoans Decision Reference 2020-0194

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate,

Year: 2020

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PDFLoans Decision Reference 2020-0195

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate,

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0196

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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PDFHousehold Buildings Decision Reference 2020-0197

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim, Delayed or inadequate communication

Year: 2020

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PDFApproved Minimum Retirement Fund AMRF Decision Reference 2020-0198

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to provide accurate investment information,

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0199

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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PDFCar Decision Reference 2020-0200

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Upheld

All Conducts Complained Of: Lapse/cancellation of policy, Rejection of claim

Year: 2020

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PDFMortgage Decision Reference 2020-0201

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 , Errors in calculations, Maladministration

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0202

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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PDFMortgage Decision Reference 2020-0203

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Failure to provide accurate account/balance information

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0204

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Selling mortgage to t/p provider , Delayed or inadequate communication

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0205

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Substantially upheld

All Conducts Complained Of: Refusal to transfer mortgage into sole or joint names, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Refusal to grant mortgage

Year: 2020

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PDFHousehold Buildings Decision Reference 2020-0206

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim,

Year: 2020

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PDFStore Cards Decision Reference 2020-0207

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Failure to provide accurate account/balance information , Incorrect information sent to credit reference agency

Year: 2020

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PDFSwitching Accounts Decision Reference 2020-0208

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2020

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PDFPersonal Loan Decision Reference 2020-0209

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, Arrears handling , Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2020

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