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 2022-0150

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Upheld

All Conducts Complained Of: Increase in interest rate

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0151

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Failure to process instructions

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0152

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Substantially upheld

All Conducts Complained Of: Fees & charges applied (mortgage), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Failure to process instructions in a timely manner, Maladministration

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0153

Sector: Banking

Product/Service: Mortgage

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

Outcome: Rejected

All Conducts Complained Of: Failure to provide calculations, Settlement amount (mortgage), Wrongful consideration of forbearance request

Year: 2022

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PDFWhole-of-Life Decision Reference 2022-0154

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Maladministration (life), Delayed or inadequate communication

Year: 2022

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PDFHousehold Buildings Decision Reference 2022-0155

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - storm, Claim handling delays or issues, Disagreement regarding Settlement amount offered

Year: 2022

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PDFOverdrafts Decision Reference 2022-0156

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2022

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PDFTravel Decision Reference 2022-0157

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - pre-existing condition, Disagreement regarding Medical evidence submitted , Dissatisfaction with customer service , Rejection of claim - non-disclosure

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0158

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

All Conducts Complained Of: Failure to process instructions, Disputed transactions

Year: 2022

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PDFTravel Decision Reference 2022-0159

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service , Failure to provide correct information, Rejection of claim - cancellation

Year: 2022

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PDFBusiness Bank account Decision Reference 2022-0160

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Disputed Transactions

Outcome: Rejected

All Conducts Complained Of: Handling of fraudulent transactions, Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2022

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PDFMoney Transfer (between accounts/between banks/3rd Decision Reference 2022-0162

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Disputed Transactions

Outcome: Partially upheld

All Conducts Complained Of: Handling of fraudulent transactions, Disputed transactions

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0163

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Delayed or inadequate communication, Dissatisfaction with customer service , Maladministration

Year: 2022

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PDFTravel Decision Reference 2022-0164

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, Dissatisfaction with customer service

Year: 2022

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PDFBonds Decision Reference 2022-0165

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with final fund value , Encashment delays , Failure to process instructions, Failure to provide warning re. Nature of investment

Year: 2022

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PDFMoney Transfer (between accounts/between banks/3rd Decision Reference 2022-0166

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Partially upheld

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

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0167

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Wrongful consideration of forbearance request, Documents mislaid or lost, Failure to implement payment terms, Failure to process instructions

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0168

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Refusal to move existing tracker to a new mortgage product, Failure to offer a tracker rate at point of sale

Year: 2022

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PDFPayment Protection Decision Reference 2022-0169

Sector: Insurance

Product/Service: Protection

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2022

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PDFPersonal Pension Plan Decision Reference 2022-0170

Sector: Investment

Product/Service: Pension

Primary Conduct Complained Of: Management of Fund

Outcome: Rejected

All Conducts Complained Of: Value of policy at surrender less than expected or projected, Delayed or inadequate communication, Fees & charges applied

Year: 2022

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