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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PDFCritical & Serious Illness Decision Reference 2022-0007

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

Year: 2022

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PDFTravel Decision Reference 2022-0008

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Rejection of claim - pre-existing condition

Year: 2022

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PDFVariable Mortgage Decision Reference 2022-0009

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

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

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0010

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Level of contact or communications re. Arrears, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication

Year: 2022

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PDFProperty Investment Decision Reference 2022-0011

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Complaint handling (Consumer Protection Code)

Year: 2022

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PDFCredit Cards Decision Reference 2022-0012

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

All Conducts Complained Of: Failure to process instructions

Year: 2022

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PDFPrivate Health Insurance Decision Reference 2022-0013

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Claim Handling

Outcome: Rejected

All Conducts Complained Of: Claim handling delays or issues, Rejection of claim - pre-existing condition

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0014

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Classification of borrower as non-cooperating, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instru

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0015

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: 2022

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PDFTravel Decision Reference 2022-0016

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - delays, Claim handling delays or issues, Dissatisfaction with customer service , Poor wording/ambiguity of policy

Year: 2022

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PDFShares/Equities Investment Decision Reference 2022-0017

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Upheld

All Conducts Complained Of: Fees & charges applied , Mis-selling (investment)

Year: 2022

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PDFBonds Decision Reference 2022-0018

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling (investment), Delayed or inadequate communication, Dissatisfaction with final fund value

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0019

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: 2022

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PDFBusiness Bank account Decision Reference 2022-0020

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - commercial lending , Delayed or inadequate communication, Failure to provide correct information

Year: 2022

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PDFShares/Equities Investment Decision Reference 2022-0021

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Alleged poor management of fund, Delayed or inadequate communication

Year: 2022

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PDFSavings Account Decision Reference 2022-0022

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Application of interest rate

Outcome: Substantially upheld

All Conducts Complained Of: Application of interest rate, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0023

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Application of interest rate, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Level of contact or communications re. Arrears

Year: 2022

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PDFService Decision Reference 2022-0024

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim, Delayed or inadequate communication

Year: 2022

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PDFMortgage Decision Reference 2022-0025

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, Failure to offer a tracker rate at point of sale

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0027

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Partially upheld

All Conducts Complained Of: Arrears handling - Mortgage Arears Resolution Process , Disputed transactions, Errors in calculations, Fees & charges applied (mortgage), Maladministration (mortgage)

Year: 2022

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