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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PDFBanking Online Facility Decision Reference 2022-0048

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

Year: 2022

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PDFSwitching Accounts Decision Reference 2022-0049

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration, Dissatisfaction with customer service

Year: 2022

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PDFDebit Card Decision Reference 2022-0050

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Upheld

All Conducts Complained Of: Handling of fraudulent transactions, Disputed transactions, Dissatisfaction with customer service

Year: 2022

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PDFPension Transfers Decision Reference 2022-0051

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Switching funds , Delayed or inadequate communication

Year: 2022

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PDFPrivate Health Insurance Decision Reference 2022-0052

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - late notification, Delayed or inadequate communication, Failure to advise on key product/service features

Year: 2022

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PDFIncome Protection and Permanent Health Decision Reference 2022-0053

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2022

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PDFService Decision Reference 2022-0054

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: 2022

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PDFTravel Decision Reference 2022-0055

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - late notification, Advice given by medical-assist line

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0056

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0057

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate

Year: 2022

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PDFCredit Cards Decision Reference 2022-0058

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Complaint handling (Consumer Protection Code) , Maladministration, Misrepresentation (at point of sale or after), Refusals (banking)

Year: 2022

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PDFFarm & Livestock Decision Reference 2022-0059

Sector: Insurance

Product/Service: Commercial Insurance

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

Year: 2022

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PDFOpening / Closing Accounts Decision Reference 2022-0060

Sector: Banking

Product/Service: Payment Service

Primary Conduct Complained Of: Customer Service

Outcome: Substantially upheld

All Conducts Complained Of: Failure to provide notification /reason for closure, Dissatisfaction with customer service

Year: 2022

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PDFBanking Online Facility Decision Reference 2022-0061

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Failure to provide adequate security measures, Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0062

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration (mortgage), Incorrect information sent to credit reference agency, Refusal to transfer mortgage into sole or joint names

Year: 2022

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PDFTravel Decision Reference 2022-0063

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - cancellation, Rejection of claim – partial rejection

Year: 2022

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PDFPet Insurance Decision Reference 2022-0064

Sector: Insurance

Product/Service: Miscellaneous

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Complaint handling (Consumer Protection Code) , Failure to provide product/service information, Fees & charges applied

Year: 2022

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PDFCredit Cards Decision Reference 2022-0065

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Disputed transactions, Dissatisfaction with customer service

Year: 2022

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PDFOff-set Mortgage Decision Reference 2022-0066

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions in a timely manner, Delayed or inadequate communication

Year: 2022

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PDFPersonal Pension Plan Decision Reference 2022-0067

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to provide accurate investment information, Maladministration, Misrepresentation (pensions), Poor wording/ambiguity of policy

Year: 2022

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