Case Studies

Our case notes show how we deal with the many different issues that arise in our case investigations. The case notes aim to provide consumers and participants with guidance as to the approach we are likely to take in a particular type of case or highlight some of the many different ways in which a complaint can be resolved.

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Title Year Case summary
Accumulated loan arrears 2014

Failure to make any loan repayments over a number of years caused the loan balance to increase tenfold.

Legitimacy of fee for insurance advice 2014

John and Anna questioned their financial adviser’s right to charge them for advice they did not accept.

Closure versus surrender value 2014

Is there a difference between a closure value and a surrender value under a life insurance and funeral benefit policy?

A good outcome to a bad fall 2013

Is a person “currently aware” of the symptoms of a medical condition when they have fully recovered from those symptoms?

The river runs high: a ruined cruise 2013

The Complainants were on a disrupted cruise. Can they claim for the disrupted days?

Trading platforms – Where’s the money? 2013

If you have a trading account with an online broker and your deposits are made to another third party company, is the broker or the third party company responsible for payment of your requests to withdraw funds?

A Chesty Problem 2013

If you cancel travel on advice from a doctor, will this mean there will be no cover under your insurance policy?

Benefits of an early settlement offer 2011

Gary had 250 pounds stolen while on holiday. After being told on at least 3 occasions his travel insurance company would cover the loss, Gary was very disappointed when his claim as declined.

Generating options to resolve complaints 2013

Why insurance brokers should keep good notes.

An Untimely Restructure 2013

Cancellation of travel – What are your obligations to re-arrange your travel before you cancel your trip?