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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PDFTravel Decision Reference 2021-0071

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Settlement Amount Offered

Outcome: Rejected

All Conducts Complained Of: Disagreement regarding Settlement amount offered, Claim handling delays or issues, Delayed or inadequate communication

Year: 2021

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PDFService Decision Reference 2021-0072

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2021

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PDFCar Decision Reference 2021-0073

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2021

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PDFInterest Only Decision Reference 2021-0074

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Failure to implement payment terms

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0075

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Failure to implement payment terms, Dissatisfaction with customer service

Year: 2021

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PDFOpening/Closing Accounts Decision Reference 2021-0076

Sector: Banking

Product/Service: Commercial Banking

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

Outcome: Rejected

All Conducts Complained Of: Failure to provide product/service information, Dissatisfaction with customer service

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0077

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Increase in interest rate

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0078

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2021

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PDFOpening/Closing Accounts Decision Reference 2021-0079

Sector: Banking

Product/Service: Commercial Banking

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

Outcome: Rejected

All Conducts Complained Of: Failure to provide product/service information

Year: 2021

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PDFIncome Protection and Permanent Health Decision Reference 2021-0081

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues

Year: 2021

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PDFIncome Protection and Permanent Health Decision Reference 2021-0082

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - non-disclosure & voiding

Year: 2021

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PDFService Decision Reference 2021-0083

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2021

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PDFCritical & Serious Illness Decision Reference 2021-0084

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Complaint handling (Consumer Protection Code) , Disagreement regarding Medical evidence submitted , Lapse/cancellation of policy, Refusal to insure - failure to renew policy

Year: 2021

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PDFPet Insurance Decision Reference 2021-0085

Sector: Insurance

Product/Service: Miscellaneous

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

Outcome: Substantially upheld

All Conducts Complained Of: Failure to advise on key product/service features, Misrepresentation (at point of sale or after), Mis-selling (insurance), Poor wording/ambiguity of policy

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0086

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Upheld

All Conducts Complained Of: Arrears handling (non- Mortgage Arears Resolution Process ), Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFOther Decision Reference 2021-0087

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0088

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Delayed or inadequate communication, Complaint handling (Consumer Protection Code)

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0089

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: 2021

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PDFHousehold Buildings Decision Reference 2021-0090

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: 2021

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PDFProperty Investment Decision Reference 2021-0091

Sector: Investment

Product/Service: Investment

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

Outcome: Partially upheld

All Conducts Complained Of: Misrepresentation (at point of sale or after), Delayed or inadequate communication, Maladministration

Year: 2021

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