FSPO Decisions Database

Bank reported written-off debt as active on CCR for 3 years after write-off. FSPO directed correction and compensation for credit refusal.

Compensation: €3,500

Bank closed current account with 14 days notice citing 'commercial reasons'. FSPO found notice inadequate but closure itself was within bank's rights.

Compensation: €2,000

Home insurance claim rejected for storm damage. Insurer cited maintenance exclusion but couldn't demonstrate property was in disrepair.

Compensation: €12,500

Motor insurance settlement was 40% below market value. Complainant provided independent valuation. FSPO directed full market value payment.

Compensation: €8,750

Tracker mortgage rate not applied correctly for 5 years. Bank had already admitted error but compensation offered was inadequate.

Compensation: €15,000

Travel insurance claim for trip cancellation. Policy exclusion for pre-existing conditions was clearly stated and properly disclosed.

Fraudulent transactions on debit card. Bank delayed refund for 6 months despite customer reporting within 24 hours.

Compensation: €4,200

Voluntary termination of HP agreement. Finance company charged excess mileage and wear-and-tear fees not clearly stated in agreement.

Compensation: €3,000

Policy cancelled for alleged non-disclosure. FSPO found the questions asked at inception were ambiguous and insurer should have sought clarification.

Compensation: €5,000

Excessive overdraft fees charged without adequate notification. Bank failed to notify of fee changes as required by Consumer Protection Code.

Compensation: €750

Bank took 87 days to respond to SAR. Response was also incomplete — missing internal notes and automated decision data.

Compensation: €2,500

Health insurance claim took 9 months to process. Multiple requests for duplicate documentation. FSPO found handling fell below acceptable standards.

Compensation: €6,000

Finance company quoted early settlement figure that included future interest in breach of Consumer Credit Act 1995. Directed to recalculate.

Compensation: €1,800

Debt reported as active on CCR 2 years after court-approved write-down. Consumer was refused a mortgage as a direct result.

Compensation: €5,000

Household contents claim rejected. Insurer relied on engineer report that was contradicted by independent assessment. FSPO preferred complainant's evidence.

Compensation: €22,000

Account frozen for 6 weeks during compliance review. Fintech failed to communicate timeline or process to customer as required.

Compensation: €1,500

Dispute over split mortgage arrangement. Bank followed MARP process correctly and offered reasonable alternative repayment arrangement.

Premium increased by 65% at renewal with no claims. Insurer entitled to adjust pricing but failed to provide adequate explanation as required.

Compensation: €500

Debt collector called workplace, contacted neighbours, and sent threatening letters for statute-barred debt. Directed to cease all contact.

Compensation: €3,500

Online banking outage during critical payment deadline. Bank's systems were down for 3 days and no alternative was offered.

Compensation: €2,000

Motor insurance third-party claim. Insurer settled with third party without consulting policyholder, then loaded premium. FSPO found process unfair.

Compensation: €9,500

Bank sent customer's financial statements to wrong address. Personal financial data exposed to third party. GDPR breach confirmed.

Compensation: €4,000

HP agreement reported as in arrears on CCR after voluntary termination. Finance company failed to update CCR for 18 months.

Compensation: €4,500

Business interruption claim following water damage. Insurer's assessment significantly undervalued loss of earnings. Directed to reassess.

Compensation: €3,200

Bank failed to issue FRL within 40 business days. When issued, FRL did not inform customer of right to refer to FSPO. Double CPC breach.

Compensation: €1,500

Disputed cryptocurrency exchange transaction. Terms clearly stated transactions were irreversible. No evidence of platform error.

Variable rate mortgage not reduced in line with ECB rate cuts. Bank failed to apply rate adjustment for 14 months.

Compensation: €8,500

Claim rejected for non-disclosure of prior claim with different insurer. FSPO found insurer's question was ambiguous but upheld proportionate reduction.

Compensation: €2,500

Debt collector pursued statute-barred debt, threatening legal action. No payment or acknowledgement in 8 years. Directed to cease and write off.

Compensation: €3,000

Bank closed account of 15 years citing 'risk review'. No adequate explanation given. Customer left without banking services for 3 months.

Compensation: €3,500