Ombudsman Decisions

Filter our Database

Last Updated on 28th March 2024 with decisions up to the end of December 2023.

To narrow your search, you may also wish to select from the following:

How to search our decisions This image is the brochure cover of the PDF document how to search our database

 

Or search the database by decision reference number, if known:


There are 2348 decisions matching your query

 Page 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 

 

PDFRepayment Mortgage Decision Reference 2018-0143

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Partially upheld

All Conducts Complained Of: Application of interest rate

Year: 2018

View Document

PDFLife Decision Reference 2018-0144

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), Rejection of claim

Year: 2018

View Document

PDFTravel Decision Reference 2018-0145

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Disagreement regarding Settlement amount offered, Dissatisfaction with customer service , Lapse/cancellation of policy, Maladministration, Mis-selling

Year: 2018

View Document

PDFHousehold Buildings Decision Reference 2018-0146

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Failure to accept evidence of occupancy, Rejection of claim - freezing or escape of or overflow of water or oil

Year: 2018

View Document

PDFUnit Linked Whole-of-Life Decision Reference 2018-0147

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: 2018

View Document

PDFIncome Protection and Permanent Health Decision Reference 2018-0148

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - did not meet policy definition of illness, Disagreement regarding Medical evidence submitted , Dissatisfaction with customer service

Year: 2018

View Document

PDFRepayment Mortgage Decision Reference 2018-0149

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

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

Year: 2018

View Document

PDFCritical & Serious Illness Decision Reference 2018-0150

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - did not meet policy definition of illness, Maladministration

Year: 2018

View Document

PDFWhole-of-Life Decision Reference 2018-0151

Sector: Insurance

Product/Service: Life

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

Outcome: Partially upheld

All Conducts Complained Of: Failure to advise on key product/service features, Delayed or inadequate communication

Year: 2018

View Document

PDFTravel Decision Reference 2018-0152

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim – psychological/mental health

Year: 2018

View Document

PDFHousehold Buildings Decision Reference 2018-0153

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - late notification

Year: 2018

View Document

PDFIncome Protection and Permanent Health Decision Reference 2018-0154

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - did not meet policy definition of disability

Year: 2018

View Document

PDFTravel Decision Reference 2018-0155

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Upheld

All Conducts Complained Of: Rejection of claim - cancellation

Year: 2018

View Document

PDFCar Decision Reference 2018-0156

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2018

View Document

PDFCredit Cards Decision Reference 2018-0157

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2018

View Document

PDFMortgage Decision Reference 2018-0158

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Delayed or inadequate communication

Year: 2018

View Document

PDFCurrent Account Decision Reference 2018-0159

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions

Year: 2018

View Document

PDFMobile Phone Decision Reference 2018-0160

Sector: Insurance

Product/Service: Miscellaneous

Primary Conduct Complained Of: Claim Handling

Outcome: Upheld

All Conducts Complained Of: Claim handling delays or issues, Dissatisfaction with customer service , Failure to process instructions in a timely manner

Year: 2018

View Document

PDFUnit Linked Whole-of-Life Decision Reference 2018-0161

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Failure to process instructions, Delayed or inadequate communication, Dissatisfaction with customer service , Maladministration

Year: 2018

View Document

PDFPension Decision Reference 2018-0162

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Substantially upheld

All Conducts Complained Of: Fees & charges applied

Year: 2018

View Document

 Page 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118