Ombudsman News

We summarise our approach to “dual” variable mortgage rates and explain the decision we took in our lead cases. With cases studies about insurance fraud, internet banking, spread betting and section 75 complaints.

Banking Section 75 Spread Betting

We explain our approach to redress for complaints about mortgage endowment policies, where customers have also taken out a top up policy. With featured case studies about with-profits endowment policies, personal equity plans, and other investment issues.

Investments Power of Attorney Mortgage Endowments

We look at situations where lenders increase customers’ credit limits without any further assessment of their creditworthiness. With case studies about cheque transactions, issues with power of attorney and complaints about handling of business account transactions.

Banking Power of Attorney

We look at the importance of telephone call recordings, when dealing with complaints. With case studies about non-disclosure in home, motor and travel insurance claims, cancellation of policies and misleading descriptions.

Non-Disclosure Motor Insurance Travel Insurance Home Emergency Insurance

We look at split capital investment trusts and what aspects of these complaints fall within our jurisdiction. With case studies about early termination, reimbursements claims for professional fees, mortgage endowment policies and other types of investments.

Investments Mortgage Endowments

We provide summaries of ombudsman decisions we’ve issued for dual variable mortgage rate cases. With case studies about complaints which were outside of our jurisdiction, concluded by early termination or settled by mediation.

Banking Jurisdiction Mortgages

We look at complaints about mortgage endowments sold before The Financial Service Act 1986 came in to force. With case studies about policies enhanced by windfall benefits, complaints involving tax allowances and awards for distress and inconvenience.

Investments Mortgage Endowments Distress and inconvenience

We look at the terms and conditions of group medical expense policies offered by employers, and the disputes that arise with insurers from them. With case studies about exclusions for pre-existing medical conditions, critical illness cover, income protection cover and personal accident policies.

Insurance Income Protection Medical Conditions

We provide updates on two of Banking’s hot topics – dual variable mortgage rates and TESSAs. With case studies about current accounts, card payments and using a credit card abroad.

Banking Mortgages Credit Cards