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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PDFService Decision Reference 2021-0450

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Poor wording/ambiguity of policy, Rejection of claim

Year: 2021

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PDFPrivate Health Insurance Decision Reference 2021-0451

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, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2021

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PDFTravel Decision Reference 2021-0452

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim - cancellation, Claim handling delays or issues, Failure to advise on key product/service features

Year: 2021

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PDFCar Decision Reference 2021-0453

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim - non-disclosure

Year: 2021

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PDFCurrent Account Decision Reference 2021-0454

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Dissatisfaction with customer service , Complaint handling (Consumer Protection Code) , Failure to process instructions, Maladministration

Year: 2021

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PDFCredit Union Loan Decision Reference 2021-0455

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Incorrect information sent to credit reference agency, Dissatisfaction with customer service , Failure to implement payment terms, Failure to provide correct information

Year: 2021

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PDFWhole-of-Life Decision Reference 2021-0456

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2021

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PDFMortgage Protection Decision Reference 2021-0457

Sector: Insurance

Product/Service: Protection

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

Outcome: Rejected

All Conducts Complained Of: Misrepresentation (at point of sale or after), Delayed or inadequate communication, Dissatisfaction with customer service , Lapse/cancellation of policy

Year: 2021

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PDFWhole-of-Life Decision Reference 2021-0458

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Partially upheld

All Conducts Complained Of: Lapse/cancellation of policy (life), Maladministration (life)

Year: 2021

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PDFRepayment Mortgage Decision Reference 2021-0459

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

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

Year: 2021

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PDFBanking Online Facility Decision Reference 2021-0460

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0461

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 2021-0462

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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PDFOnline Share Dealing Decision Reference 2021-0463

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (investment), Failure to provide accurate investment information, Failure to provide warning re. Nature of investment , Misrepresentation (at point of sale or after)

Year: 2021

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PDFBanking Online Facility Decision Reference 2021-0464

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Complaint handling (Consumer Protection Code) , Failure to consider vulnerability of customer, Failure to process instructions, Fees & charges applied

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0465

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Maladministration

Year: 2021

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PDFWhole-of-Life Decision Reference 2021-0466

Sector: Insurance

Product/Service: Life

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

Outcome: Partially upheld

All Conducts Complained Of: Results of policy review/failure to notify of policy reviews

Year: 2021

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PDFHousehold Buildings Decision Reference 2021-0467

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

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

Year: 2021

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PDFTracker Mortgage Decision Reference 2021-0468

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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PDFCredit Union Loan Decision Reference 2021-0469

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Errors in calculations

Year: 2021

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