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 2021-0281

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Handling of fraudulent transactions

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0282

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, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0283

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Disputed transactions, Failure to provide calculations, Failure to provide correct information

Year: 2021

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PDFPrivate Health Insurance Decision Reference 2021-0284

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied

Year: 2021

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PDFService Decision Reference 2021-0285

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, Rejection of claim

Year: 2021

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PDFPersonal Retirement Savings Accounts (PRSA) Decision Reference 2021-0286

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFCar Decision Reference 2021-0287

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: No claim bonus issues

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0288

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Failure to implement payment terms, Complaint handling (Consumer Protection Code)

Year: 2021

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PDFTravel Decision Reference 2021-0290

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2021

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PDFLoans Decision Reference 2021-0291

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, Delayed or inadequate communication, Dissatisfaction with customer service , Documents mislaid or lost

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0292

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 2021-0293

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Substantially upheld

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 2021-0294

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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PDFOther Decision Reference 2021-0295

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - late notification

Year: 2021

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PDFIncome Protection and Permanent Health Decision Reference 2021-0296

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Claim Handling

Outcome: Partially upheld

All Conducts Complained Of: Disagreement regarding Medical evidence submitted , Failure to process instructions, Failure to provide product/service information, Rejection of claim - fit to return to work

Year: 2021

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PDFWhole-of-Life Decision Reference 2021-0297

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Loading on policy for medical conditions/family history, Fees & charges applied , Fees & charges applied (life)

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0298

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Complaint handling (Consumer Protection Code) , Selling mortgage to t/p provider

Year: 2021

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PDFHousehold Buildings Decision Reference 2021-0299

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (insurance)

Year: 2021

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PDFMultiple Products/Services Decision Reference 2021-0300

Sector: Investment

Product/Service: Multiple Investment Product/Service

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

All Conducts Complained Of: Failure to provide correct information, Alleged poor management of fund, Dissatisfaction with customer service , Maladministration, Misrepresentation (at point of sale or after)

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0301

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Increase in interest rate, Failure to provide product/service information

Year: 2021

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