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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PDFCurrent Account Decision Reference 2021-0214

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Disputed transactions

Year: 2021

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PDFCurrent Account Decision Reference 2021-0215

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Disputed transactions

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0218

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Upheld

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

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0219

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

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0220

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: 2021

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PDFTracker Mortgage Decision Reference 2021-0221

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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PDFTracker Mortgage Decision Reference 2021-0222

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: 2021

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PDFCar Decision Reference 2021-0223

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: No claim bonus issues, Delayed or inadequate communication, Dissatisfaction with customer service , Maladministration, Misrepresentation (at point of sale or after)

Year: 2021

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PDFPrivate Health Insurance Decision Reference 2021-0224

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim - pre-existing condition, Rejection of claim - waiting periods apply

Year: 2021

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PDFTravel Decision Reference 2021-0225

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

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

Year: 2021

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PDFLodgements Decision Reference 2021-0226

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Errors in calculations, Failure to process instructions, Failure to provide product/service information

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0227

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, Incorrect information sent to credit reference agency

Year: 2021

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PDFCommercial Mortgage Decision Reference 2021-0228

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied , Complaint handling (Consumer Protection Code) , Failure to provide product/service information, Level of contact or communications re. Arrears, Mis-selling

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0229

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Application of interest rate, Delayed or inadequate communication, Failure to provide product/service information, Misrepresentation (at point of sale or after)

Year: 2021

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PDFVariable Mortgage Decision Reference 2021-0231

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFSavings Account Decision Reference 2021-0233

Sector: Banking

Product/Service: Accounts

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

Outcome: Rejected

All Conducts Complained Of: Misrepresentation (at point of sale or after), Application of interest rate, Failure to provide correct information

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0234

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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PDFTracker Mortgage Decision Reference 2021-0235

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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PDFCurrent Account Decision Reference 2021-0236

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied , Failure to process instructions, Failure to provide product/service information, Fees & charges applied

Year: 2021

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PDFHousehold Buildings Decision Reference 2021-0238

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - freezing or escape of or overflow of water or oil

Year: 2021

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