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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PDFLoans Decision Reference 2022-0258

Sector: Banking

Product/Service: Commercial Banking

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

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

Year: 2022

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PDFCurrent Account Decision Reference 2022-0259

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Partially upheld

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

Year: 2022

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PDFPersonal Loan Decision Reference 2022-0260

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Mis-selling

Outcome: Partially upheld

All Conducts Complained Of: Mis-selling (banking)

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0261

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

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0262

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 2022-0263

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

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0264

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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PDFCar Finance Decision Reference 2022-0265

Sector: Banking

Product/Service: Consumer Credit

Primary Conduct Complained Of: Refusal to give product/service

Outcome: Rejected

All Conducts Complained Of: Refusal to grant consumer credit , Dissatisfaction with customer service

Year: 2022

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PDFCar Decision Reference 2022-0266

Sector: Insurance

Product/Service: Motor

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, Failure to provide correct information, Rejection of claim

Year: 2022

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PDFStanding Order Decision Reference 2022-0267

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Customer Service

Outcome: Rejected

All Conducts Complained Of: Dissatisfaction with customer service , Failure to provide correct information, Failure to provide product/service information, Refusals (banking)

Year: 2022

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PDFWhole-of-Life Decision Reference 2022-0268

Sector: Insurance

Product/Service: Life

Primary Conduct Complained Of: Mis-selling

Outcome: Rejected

All Conducts Complained Of: Mis-selling, Delayed or inadequate communication, Failure to provide product/service information, Fees & charges applied , Premium rate increases , Results of policy review/failure to notify of policy reviews

Year: 2022

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PDFMultiple Products/Services Decision Reference 2022-0269

Sector: Investment

Product/Service: Multiple Investment Product/Service

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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

Year: 2022

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PDFRepayment Mortgage Decision Reference 2022-0270

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Arrears handling

Outcome: Rejected

All Conducts Complained Of: Selling mortgage to t/p provider , Delayed or inadequate communication, Dissatisfaction with customer service , Maladministration (mortgage), Misrepresentation (at point of sale or after)

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0271

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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PDFRepayment Mortgage Decision Reference 2022-0272

Sector: Banking

Product/Service: Mortgage

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

Outcome: Rejected

All Conducts Complained Of: Misrepresentation (at point of sale or after), Arrears handling - Mortgage Arears Resolution Process , Delayed or inadequate communication, Dissatisfaction with customer service

Year: 2022

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PDFTracker Mortgage Decision Reference 2022-0273

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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PDFTracker Mortgage Decision Reference 2022-0274

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of tracker interest rate

Outcome: Partially upheld

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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PDFIncome Protection and Permanent Health Decision Reference 2022-0275

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, Rejection of claim - fit to return to work

Year: 2022

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PDFOpening/Closing Accounts Decision Reference 2022-0276

Sector: Banking

Product/Service: Accounts

Primary Conduct Complained Of: Maladministration

Outcome: Rejected

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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PDFMortgage Decision Reference 2022-0277

Sector: Banking

Product/Service: Mortgage

Primary Conduct Complained Of: Application of interest rate

Outcome: Rejected

All Conducts Complained Of: Application of interest rate

Year: 2022

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