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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PDFIncome Protection and Permanent Health Decision Reference 2021-0092

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, Rejection of claim - pre-existing condition

Year: 2021

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PDFRetail Decision Reference 2021-0093

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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PDFHousehold Buildings Decision Reference 2021-0094

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Poor wording/ambiguity of policy, Failure to process instructions, Failure to provide product/service information

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0095

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Dissatisfaction with customer service , Failure to consider vulnerability of customer, Lost or mislaid title deeds

Year: 2021

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PDFDebit Card Decision Reference 2021-0096

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Handling of fraudulent transactions, Complaint handling (Consumer Protection Code) , Disputed transactions

Year: 2021

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PDFBonds Decision Reference 2021-0097

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Maladministration

Year: 2021

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PDFShares/Equities Investment Decision Reference 2021-0098

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

All Conducts Complained Of: Complaint handling (Consumer Protection Code)

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0099

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner

Year: 2021

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PDFTerm Insurance Decision Reference 2021-0100

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Rejected

All Conducts Complained Of: Lapse/cancellation of policy (life)

Year: 2021

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PDFTravel Decision Reference 2021-0101

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

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

Year: 2021

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PDFCredit Cards Decision Reference 2021-0102

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Partially upheld

All Conducts Complained Of: Disputed transactions, Complaint handling (Consumer Protection Code)

Year: 2021

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PDFCritical & Serious Illness Decision Reference 2021-0103

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Refusal to insure - failure to renew policy

Year: 2021

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PDFCar Decision Reference 2021-0104

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, Disagreement regarding Pre-accident value provided

Year: 2021

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PDFPension Transfers Decision Reference 2021-0105

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (pensions), Failure to process instructions in a timely manner, Fees & charges applied

Year: 2021

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PDFCash Investment Decision Reference 2021-0106

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to consider vulnerability of customer, Failure to provide product/service information

Year: 2021

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PDFBonds Decision Reference 2021-0107

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

Year: 2021

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PDFCash Investment Decision Reference 2021-0108

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Substantially upheld

All Conducts Complained Of: Mis-selling, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to inform of drop in value

Year: 2021

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PDFCash Investment Decision Reference 2021-0109

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Substantially upheld

All Conducts Complained Of: Mis-selling (investment), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Failure to inform of drop in value

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0110

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Delayed or inadequate communication, Dissatisfaction with customer service , Errors in calculations, Failure to provide accurate account/balance information

Year: 2021

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PDFService Decision Reference 2021-0111

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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