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 2018-0101

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling (non- Mortgage Arears Resolution Process ), Lost or mislaid title deeds

Year: 2018

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PDFPersonal Loan Decision Reference 2018-0102

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Substantially upheld

All Conducts Complained Of: Application of interest rate, Delayed or inadequate communication

Year: 2018

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PDFPersonal Loan Decision Reference 2018-0103

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Substantially upheld

All Conducts Complained Of: Application of interest rate, Delayed or inadequate communication

Year: 2018

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PDFPrivate Health Insurance Decision Reference 2018-0104

Sector: Insurance

Product/Service: Health, Accident and Other

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide product/service information, Delayed or inadequate communication, Fees & charges applied

Year: 2018

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PDFVariable Mortgage Decision Reference 2018-0105

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 , Failure to process instructions in a timely manner, Misrepresentation (at point of sale or after)

Year: 2018

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PDFTerm Insurance Decision Reference 2018-0106

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Substantially upheld

All Conducts Complained Of: Lapse/cancellation of policy, Delayed or inadequate communication

Year: 2018

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PDFCar Decision Reference 2018-0107

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim - reasonable care/security of vehicle, Claim handling delays or issues, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2018

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PDFIncome Protection and Permanent Health Decision Reference 2018-0108

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim

Year: 2018

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PDFCredit Union Loan Decision Reference 2018-0109

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate

Year: 2018

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PDFHousehold Buildings Decision Reference 2018-0110

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Settlement Amount Offered

Outcome: Rejected

All Conducts Complained Of: Disagreement regarding Settlement amount offered

Year: 2018

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PDFHousehold Buildings Decision Reference 2018-0111

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Partially upheld

All Conducts Complained Of: Refusal to insure - failure to renew policy

Year: 2018

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PDFVariable Mortgage Decision Reference 2018-0112

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration regarding voluntary sale, Delayed or inadequate communication, Failure to process instructions in a timely manner, Failure to provide correct information

Year: 2018

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PDFIncome Protection and Permanent Health Decision Reference 2018-0113

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2018

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PDFOther Decision Reference 2018-0114

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service , Delayed or inadequate communication, Failure to provide correct information, Failure to provide no claims bonus/ inaccurate no claims bonus , Premium rate increases

Year: 2018

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PDFDebt Management Decision Reference 2018-0115

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Upheld

All Conducts Complained Of: Fees & charges applied

Year: 2018

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PDFUnit Linked Whole-of-Life Decision Reference 2018-0116

Sector: Insurance

Product/Service: Life

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

Outcome: Partially upheld

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews, Delayed or inadequate communication

Year: 2018

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PDFPet Insurance Decision Reference 2018-0117

Sector: Insurance

Product/Service: Miscellaneous

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Partially upheld

All Conducts Complained Of: Lapse/cancellation of policy, Complaint handling (Consumer Protection Code)

Year: 2018

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PDFLife Decision Reference 2018-0118

Sector: Insurance

Product/Service: Life

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

Outcome: Rejected

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews, Delayed or inadequate communication, Failure to explain/understand index linking

Year: 2018

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PDFShares/Equities Investment Decision Reference 2018-0119

Sector: Investment

Product/Service: Investment

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide product/service information, Product not suitable , Value of policy at surrender less than expected or projected

Year: 2018

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PDFUnit Linked Whole-of-Life Decision Reference 2018-0120

Sector: Insurance

Product/Service: Life

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

Outcome: Partially upheld

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews, Delayed or inadequate communication

Year: 2018

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