I particularly hate how the ad seems to be 25% louder than the programme it's inserted in, and that more and more ads seem to be of the "loud and shouty" variety. But since the thread is about specific ads, my three particular hates are:
That's supposedly because the ads audio track is encoded differently to normal TV and therefore sounds louder despite it not actually being louder. Having said that there is a move in NZ to reducing ads volume to balance that out. Perhaps they'll make more money as less people will walk away to the kitchen during add breaks.
Worst add has to be this weeks Briscoes never-to-be-repeated sale, lady even has a lisp.