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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PDFCar Decision Reference 2020-0453

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2020

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PDFDormant Account Decision Reference 2020-0454

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Documents mislaid or lost

Year: 2020

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PDFCommercial Mortgage Decision Reference 2020-0455

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Maladministration, Arrears handling - commercial lending , Delayed or inadequate communication, Dissatisfaction with customer service , Miscellaneous , Selling mortgage to t/p provider

Year: 2020

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PDFWhole-of-Life Decision Reference 2020-0456

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Premium Rate Applied

Outcome: Partially upheld

All Conducts Complained Of: Premium rate increases , Results of policy review/failure to notify of policy reviews

Year: 2020

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PDFProperty Investment Decision Reference 2020-0457

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (investment), Failure to consider suitability

Year: 2020

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PDFPersonal Loan Decision Reference 2020-0458

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Incorrect information sent to credit reference agency

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0459

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Upheld

All Conducts Complained Of: Application of interest rate, Dissatisfaction with customer service , Failure to process instructions, Fees & charges applied (mortgage)

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0460

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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PDFTracker Mortgage Decision Reference 2020-0461

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

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0462

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 CBI Examination

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0463

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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PDFTracker Mortgage Decision Reference 2020-0464

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Substantially upheld

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

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0465

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to apply a tracker rate at a point in time CBI Examination, Failure to apply the correct tracker rate as part of the Examination, Failure to offer appropriate compensation or redress CBI Examination

Year: 2020

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PDFPayment Protection Decision Reference 2020-0466

Sector: Insurance

Product/Service: Protection

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling

Year: 2020

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PDFInterest Only Decision Reference 2020-0467

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, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Failure to provide calculations, Failure to provide correct information

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0468

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency

Year: 2020

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PDFRepayment Mortgage Decision Reference 2020-0469

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide correct information, Dissatisfaction with customer service , Errors in calculations

Year: 2020

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PDFFixed Rate Decision Reference 2020-0470

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied (mortgage), Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Failure to provide calculations

Year: 2020

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PDFCash Investment Decision Reference 2020-0471

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (investment), Delayed or inadequate communication, Failure to provide correct information

Year: 2020

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PDFTracker Mortgage Decision Reference 2020-0472

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Level of contact or communications re. Arrears, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Fees & charges applied

Year: 2020

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