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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PDFPersonal Accident Decision Reference 2022-0237

Sector: Insurance

Product/Service: Health, Accident and Other

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (insurance)

Year: 2022

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PDFRental Property Decision Reference 2022-0238

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, Poor wording/ambiguity of policy

Year: 2022

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PDFTravel Decision Reference 2022-0239

Sector: Insurance

Product/Service: Travel

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - cancellation

Year: 2022

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PDFCar Decision Reference 2022-0240

Sector: Insurance

Product/Service: Motor

Primary Conduct Complained Of: Rejection of Claim

Outcome: Partially upheld

All Conducts Complained Of: Rejection of claim - non-disclosure & voiding , Failure to provide correct information

Year: 2022

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PDFService Decision Reference 2022-0242

Sector: Insurance

Product/Service: Commercial Insurance

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 2022-0243

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0244

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Substantially upheld

All Conducts Complained Of: Wrongful consideration of forbearance request, Arrears handling (non- Mortgage Arears Resolution Process ), Complaint handling (Consumer Protection Code) , Delayed or inadequate communication, Dissatisfaction with customer service , Documents mislaid or

Year: 2022

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PDFHousehold Buildings Decision Reference 2022-0245

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim - freezing or escape of or overflow of water or oil

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0246

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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PDFCredit Cards Decision Reference 2022-0247

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Maladministration

Outcome: Substantially upheld

All Conducts Complained Of: Incorrect information sent to credit reference agency, Failure to provide accurate account/balance information

Year: 2022

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PDFHousehold Buildings Decision Reference 2022-0248

Sector: Insurance

Product/Service: Home and/or Property

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

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

Year: 2022

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PDFPension Transfers Decision Reference 2022-0249

Sector: Investment

Product/Service: Pension

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

Outcome: Rejected

All Conducts Complained Of: Failure to advise on key product/service features

Year: 2022

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PDFVariable Mortgage Decision Reference 2022-0250

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Customer Service

Outcome: Upheld

All Conducts Complained Of: Level of contact or communications re. Arrears, Failure to process instructions in a timely manner

Year: 2022

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PDFShares/Equities Investment Decision Reference 2022-0251

Sector: Investment

Product/Service: Investment

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Delayed or inadequate communication, Failure to process instructions, Failure to provide correct information, Value of policy at surrender less than expected or projected

Year: 2022

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PDFMortgage Decision Reference 2022-0252

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Rejected

All Conducts Complained Of: Failure to apply the correct tracker rate as part of the Examination

Year: 2022

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PDFTerm Insurance Decision Reference 2022-0253

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Disputed Fees and charges

Outcome: Upheld

All Conducts Complained Of: Fees & charges applied , Premium rate increases , Results of policy review/failure to notify of policy reviews

Year: 2022

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PDFOther Decision Reference 2022-0254

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0255

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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PDFTracker Mortgage Decision Reference 2022-0256

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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PDFRental Property Decision Reference 2022-0257

Sector: Insurance

Product/Service: Commercial Insurance

Primary Conduct Complained Of: Rejection of Claim

Outcome: Rejected

All Conducts Complained Of: Rejection of claim

Year: 2022

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