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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PDFRetail Decision Reference 2021-0261

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Failure to process instructions in a timely manner, Failure to provide product/service information

Year: 2021

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PDFService Decision Reference 2021-0262

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Failure to process instructions, Failure to process instructions in a timely manner, Failure to provide product/service information, Rejection of claim

Year: 2021

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PDFPrivate Health Insurance Decision Reference 2021-0263

Sector: Insurance

Product/Service: Health, Accident and Other

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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PDFTracker Mortgage Decision Reference 2021-0264

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 2021-0265

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 2021-0266

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 2021-0267

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to apply the correct tracker rate as part of the Examination, Failure to apply a tracker rate at a point in time CBI Examination, Failure to offer appropriate compensation or redress CBI Examination

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0268

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

Year: 2021

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PDFTerm Insurance Decision Reference 2021-0269

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Maladministration (life)

Year: 2021

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PDFWhole-of-Life Decision Reference 2021-0270

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

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

Year: 2021

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PDFHousehold Buildings Decision Reference 2021-0271

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim – partial rejection

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0272

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, Dissatisfaction with customer service , Maladministration

Year: 2021

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PDFAccounts Decision Reference 2021-0273

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

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

Year: 2021

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PDFDebt Management Decision Reference 2021-0274

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate, Arrears handling , Level of contact or communications re. Arrears

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0275

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0276

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling (non- Mortgage Arears Resolution Process ), Maladministration (mortgage)

Year: 2021

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PDFCredit Union Loan Decision Reference 2021-0277

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

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

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0278

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Level of contact or communications re. Arrears, Incorrect information sent to credit reference agency, Premature ceasing of arrears negotiations, Wrongful consideration of forbearance request

Year: 2021

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PDFBusiness Bank account Decision Reference 2021-0279

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Upheld

All Conducts Complained Of: Fees & charges applied

Year: 2021

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PDFLoans Decision Reference 2021-0280

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Upheld

All Conducts Complained Of: Fees & charges applied

Year: 2021

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