Ombudsman's legally binding decisions
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Last updated on 25 June 2025 with legally binding decisions up to the end of December 2024.
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Travel Decision Reference 2018-0001
Sector: Insurance
Product/Service: Travel
Primary Conduct Complained Of: Rejection of Claim
Outcome: Rejected
All Conducts Complained Of: Rejection of claim - theft or attempt theft
Year: 2018
Credit Cards Decision Reference 2018-0002
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Arrears handling
Outcome: Substantially upheld
All Conducts Complained Of: Arrears handling , Delayed or inadequate communication
Year: 2018
Income Protection and Permanent Health Decision Reference 2018-0003
Sector: Insurance
Product/Service: Health, Accident and Other
Primary Conduct Complained Of: Rejection of Claim
Outcome: Partially upheld
All Conducts Complained Of: Rejection of claim - did not meet policy definition of disability
Year: 2018
Personal Loan Decision Reference 2018-0004
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Maladministration
Outcome: Partially upheld
All Conducts Complained Of: Maladministration
Year: 2018
Unit Linked Whole-of-Life Decision Reference 2018-0005
Sector: Insurance
Product/Service: Life
Primary Conduct Complained Of: Failure to provide information/correct information
Outcome: Partially upheld
All Conducts Complained Of: Results of policy review/failure to notify of policy reviews, Delayed or inadequate communication, Premium rate increases
Year: 2018
Income Protection and Permanent Health Decision Reference 2018-0006
Sector: Insurance
Product/Service: Health, Accident and Other
Primary Conduct Complained Of: Rejection of Claim
Outcome: Partially upheld
All Conducts Complained Of: Rejection of claim - did not meet policy definition of disability, Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service
Year: 2018
Life Decision Reference 2018-0007
Sector: Insurance
Product/Service: Life
Primary Conduct Complained Of: Customer Service
Outcome: Upheld
All Conducts Complained Of: Failure to provide correct information
Year: 2018
Car Decision Reference 2018-0008
Sector: Insurance
Product/Service: Motor
Primary Conduct Complained Of: Claim Handling
Outcome: Partially upheld
All Conducts Complained Of: Claim handling delays or issues, Delayed or inadequate communication, Dissatisfaction with customer service , Payment of 3rd party claim
Year: 2018
Retail Decision Reference 2018-0009
Sector: Insurance
Product/Service: Commercial Insurance
Primary Conduct Complained Of: Rejection of Claim
Outcome: Rejected
All Conducts Complained Of: Rejection of claim - theft or attempt theft
Year: 2018
Private Health Insurance Decision Reference 2018-0010
Sector: Insurance
Product/Service: Health, Accident and Other
Primary Conduct Complained Of: Advice Incorrect/Unsuitable (post sale)
Outcome: Partially upheld
All Conducts Complained Of: Failure to advise on key product/service features
Year: 2018
Overdrafts Decision Reference 2018-0011
Sector: Banking
Product/Service: Commercial Banking
Primary Conduct Complained Of: Customer Service
Outcome: Partially upheld
All Conducts Complained Of: Delayed or inadequate communication, Maladministration
Year: 2018
Repayment Mortgage Decision Reference 2018-0012
Sector: Banking
Product/Service: Mortgage
Primary Conduct Complained Of: Refusal to give product/service
Outcome: Partially upheld
All Conducts Complained Of: Refusal to grant mortgage, Arrears handling - Mortgage Arears Resolution Process , Level of contact or communications re. Arrears
Year: 2018
Personal Loan Decision Reference 2018-0013
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Mis-selling
Outcome: Rejected
All Conducts Complained Of: Mis-selling, Complaint handling (Consumer Protection Code)
Year: 2018
Critical & Serious Illness Decision Reference 2018-0014
Sector: Insurance
Product/Service: Health, Accident and Other
Primary Conduct Complained Of: Rejection of Claim
Outcome: Partially upheld
All Conducts Complained Of: Ending of benefit payment, Claim handling delays or issues
Year: 2018
Cheques Decision Reference 2018-0015
Sector: Banking
Product/Service: Commercial Banking
Primary Conduct Complained Of: Maladministration
Outcome: Partially upheld
All Conducts Complained Of: Failure to process instructions in a timely manner
Year: 2018
Hire Purchase Decision Reference 2018-0016
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Arrears handling
Outcome: Rejected
All Conducts Complained Of: Arrears handling , Incorrect information sent to credit reference agency, Level of contact or communications re. Arrears
Year: 2018
Investment/buy to Let Mortgage Decision Reference 2018-0017
Sector: Banking
Product/Service: Commercial Banking
Primary Conduct Complained Of: Maladministration
Outcome: Rejected
All Conducts Complained Of: Failure to release security, Delayed or inadequate communication
Year: 2018
Commercial Mortgage Decision Reference 2018-0018
Sector: Banking
Product/Service: Commercial Banking
Primary Conduct Complained Of: Arrears handling
Outcome: Partially upheld
All Conducts Complained Of: Arrears handling - buy-to-let, Delayed or inadequate communication
Year: 2018
Mortgage Protection Decision Reference 2018-0019
Sector: Insurance
Product/Service: Protection
Primary Conduct Complained Of: Refusal to give product/service
Outcome: Rejected
All Conducts Complained Of: Lapse/cancellation of policy
Year: 2018
Farm & Livestock Decision Reference 2018-0020
Sector: Insurance
Product/Service: Commercial Insurance
Primary Conduct Complained Of: Rejection of Claim
Outcome: Rejected
All Conducts Complained Of: Rejection of claim, Claim handling delays or issues
Year: 2018
Investment Decision Reference 2018-0021
Sector: Investment
Product/Service: Investment
Primary Conduct Complained Of: Disputed Fees and charges
Outcome: Partially upheld
All Conducts Complained Of: Fees & charges applied , Delayed or inadequate communication
Year: 2018
Personal Loan Decision Reference 2018-0022
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Maladministration
Outcome: Rejected
All Conducts Complained Of: Incorrect information sent to credit reference agency, Arrears handling , Complaint handling (Consumer Protection Code) , Dissatisfaction with customer service
Year: 2018
Endowment mortgage Decision Reference 2018-0023
Sector: Investment
Product/Service: Endowment
Primary Conduct Complained Of: Management of Fund
Outcome: Rejected
All Conducts Complained Of: Value of policy at surrender less than expected or projected, Failure to provide warning re. Nature of investment
Year: 2018
Personal Loan Decision Reference 2018-0024
Sector: Banking
Product/Service: Consumer Credit
Primary Conduct Complained Of: Maladministration
Outcome: Partially upheld
All Conducts Complained Of: Maladministration
Year: 2018
Cheques Decision Reference 2018-0025
Sector: Banking
Product/Service: Accounts
Primary Conduct Complained Of: Customer Service
Outcome: Partially upheld
All Conducts Complained Of: Dissatisfaction with customer service , Delayed or inadequate communication
Year: 2018