Channel Islands Financial Ombudsman

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CIFO Case Studies

  • Banking / Credit
  • Insurance
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Banking / Credit

  • Ex-Partner Obtains Bank Statements Fraudulently Leading to Legal Action
    Themes: Privacy and data protection, customer authentication/fraud, liability for customer legal costs
  • Residential Mortgage Terms and Condtions Apply When Customer Delays
    Themes: Mortgage terms and conditions, effect of customer delay, default interest rates
  • Simples Funds Conversion from US Dollars (USD) to UK Pounds (GBP) Becomes a Service Failure Prompting Both Compensation and a Written Apology
    Themes: Foreign exchange loss, poor customer service, relationship manager inaccessible, written apology wanted
  • Bank Handling of Vulnerable Customer Commendable
    Themes: Vulnerable customer, protection against undue influence or financial abuse, customer capacity to appreciate nature of the transaction
  • Fraudulent activity went unchecked leading to reimbursement
    Themes: Payment card fraud, customer responsibility for care and control of card and PIN, internal fraud controls, failure to mitigate loss
  • Unable To Consider Complaint Due To Statutory Date Cut-Off
    Themes: Lending decisions, rejection, date-cut-off, continuing breach
  • Exchange Rate Misunderstanding
    Themes: foreign exchange, customer service, different versions of events, verbal representations made by bank staff

About

The Channel Islands Financial Ombudsman (CIFO) is the trusted independent dispute-resolution service for unresolved complaints involving financial services provided in or from the Channel Islands of Jersey, Guernsey, Alderney and Sark.

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Contact

Channel Islands Financial Ombudsman (CIFO)
PO Box 114
Jersey, Channel Islands
JE4 9QG

Jersey (0)1534 748610
Guernsey (0)1481 722218
International +44 1534 748610