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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PDFRepayment Mortgage Decision Reference 2021-0429

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Failure to release security, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFMoney Transfer Decision Reference 2021-0430

Sector: Banking

Product/Service: Payment Service

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Partially upheld

All Conducts Complained Of: Fees & charges applied , Dissatisfaction with customer service , Failure to provide correct information

Year: 2021

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PDFCurrent Account Decision Reference 2021-0431

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

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

Year: 2021

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PDFProfessional Indemnity Decision Reference 2021-0432

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

Year: 2021

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PDFPrivate Health Insurance Decision Reference 2021-0433

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 - treatment abroad, Refusal to insure - failure to renew policy

Year: 2021

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PDFVariable Mortgage Decision Reference 2021-0434

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Increase in interest rate

Year: 2021

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PDFCar Decision Reference 2021-0435

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Failure to provide no claims bonus/ inaccurate no claims bonus , No claim bonus issues

Year: 2021

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PDFService Decision Reference 2021-0436

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Complaint handling (Consumer Protection Code) , Failure to process instructions, Failure to process instructions in a timely manner

Year: 2021

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PDFMoney Transfer (between accounts/between banks/3rd Decision Reference 2021-0437

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Handling of fraudulent transactions, Dissatisfaction with customer service , Failure to process instructions in a timely manner, Failure to provide adequate security measures

Year: 2021

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PDFCar Decision Reference 2021-0438

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

Year: 2021

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PDFSavings Account Decision Reference 2021-0439

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Delayed or inadequate communication, Disputed transactions, Dissatisfaction with customer service , Failure to provide correct information

Year: 2021

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PDFCurrent Account Decision Reference 2021-0440

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Partially upheld

All Conducts Complained Of: Refusals (banking), Complaint handling (Consumer Protection Code) , Failure to provide notification /reason for closure

Year: 2021

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PDFCar Decision Reference 2021-0441

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Rejected

All Conducts Complained Of: Fees & charges applied , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instructions in a timely manner, Lapse/cancellation of policy

Year: 2021

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PDFOther Decision Reference 2021-0442

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Poor wording/ambiguity of policy, Rejection of claim

Year: 2021

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PDFCredit Cards Decision Reference 2021-0443

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0444

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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PDFPersonal Pension Plan Decision Reference 2021-0445

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Failure to inform of drop in value

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0447

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Failure to implement payment terms, Arrears handling (non- Mortgage Arears Resolution Process ), Classification of borrower as non-cooperating, Dissatisfaction with customer service

Year: 2021

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PDFCritical & Serious Illness Decision Reference 2021-0448

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, Failure to provide correct information

Year: 2021

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PDFRental Property Decision Reference 2021-0449

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Poor wording/ambiguity of policy, Rejection of claim

Year: 2021

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