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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PDFOther Decision Reference 2021-0193

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instructions in a timely manner, Maladministration, Misrepresentation (at poi

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0194

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2021

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PDFShares/Equities Investment Decision Reference 2021-0195

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

Year: 2021

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PDFService Decision Reference 2021-0196

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Upheld

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

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0197

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Substantially upheld

All Conducts Complained Of: Selling mortgage to t/p provider , Arrears handling (non- Mortgage Arears Resolution Process ), Dissatisfaction with customer service

Year: 2021

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PDFMultiple Products/Services Decision Reference 2021-0198

Sector: Banking

Product/Service: Multiple Banking Product/Service

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions, Delayed or inadequate communication, Failure to process instructions in a timely manner, Level of contact or communications re. Arrears

Year: 2021

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PDFCritical & Serious Illness Decision Reference 2021-0199

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Substantially upheld

All Conducts Complained Of: Rejection of claim - late notification

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0200

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Partially upheld

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

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0201

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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PDFHire Purchase Decision Reference 2021-0202

Sector: Banking

Product/Service: Consumer Credit

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

Outcome: Rejected

All Conducts Complained Of: Errors in calculations, Disputed transactions, Incorrect information sent to credit reference agency

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0203

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Upheld

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

Year: 2021

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PDFBuy-Out Bonds Decision Reference 2021-0204

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (pensions)

Year: 2021

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PDFRetail Decision Reference 2021-0205

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Delayed or inadequate communication, Failure to process instructions, Failure to provide product/service information, Rejection of claim

Year: 2021

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PDFStanding Order Decision Reference 2021-0206

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2021

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PDFFixed Rate Decision Reference 2021-0207

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied (mortgage), Errors in calculations

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0208

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Selling mortgage to t/p provider , Classification of borrower as non-cooperating, Delayed or inadequate communication, Dissatisfaction with customer service , Errors in calculations

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0209

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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PDFTerm Insurance Decision Reference 2021-0210

Sector: Insurance

Product/Service: Life

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to advise on key product/service features, Maladministration (life), Poor wording/ambiguity of policy, Results of policy review/failure to notify of policy reviews

Year: 2021

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PDFCash Investment Decision Reference 2021-0212

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (investment), Alleged poor management of fund, Maladministration, Misrepresentation (at point of sale or after), Product not suitable , Value of policy at surrender less than expected or projected

Year: 2021

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PDFCar Decision Reference 2021-0213

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Rejection of claim

Year: 2021

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