Published decisions
390,722
14 years currently covered
Public FOS Insights
Search-friendly ombudsman complaint analysis by year, firm, product, theme, and curated cross-section.
A public editorial layer over the Financial Ombudsman decision corpus, generated from the same intelligence model that powers the workspace and extended with stronger year-product and firm-product pages.
Public insight pages
365
SEO-ready annual, firm, product, and complaint-theme pages
Current upheld rate
32.7%
127,837 upheld decisions in the corpus
Latest year in focus
2026
4,003 published decisions with an upheld rate of 22.8%.
Featured page
2026
4,003 published decisions with an upheld rate of 22.8%.
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Featured page
Bank of Scotland Plc
27,153 published decisions with 13.3% upheld.
Open page
Featured page
Banking and credit
84,364 published decisions with 28.6% upheld.
Open page
Featured page
Delay In Claim Handling
38,616 tagged decisions with 36.5% upheld.
Open page
Featured page
Payment protection insurance (PPI) complaints in 2014
16,981 published decisions in Payment protection insurance (PPI) during 2014, with 19.0% upheld.
Open page
Featured page
Bank of Scotland Plc · Payment protection insurance (PPI)
14,267 published decisions involving Bank of Scotland Plc in Payment protection insurance (PPI), with 11.3% upheld.
Open page
Collection
Year analysis
Annual complaint patterns, shifts, and upheld-rate context across the published FOS corpus.
Open archive
2026 annual complaints analysis
2026
4,003 published decisions with an upheld rate of 22.8%.
2025 annual complaints analysis
2025
31,770 published decisions with an upheld rate of 31.3%.
2024 annual complaints analysis
2024
27,617 published decisions with an upheld rate of 40.1%.
2023 annual complaints analysis
2023
26,268 published decisions with an upheld rate of 41.5%.
2022 annual complaints analysis
2022
27,326 published decisions with an upheld rate of 36.3%.
2021 annual complaints analysis
2021
29,837 published decisions with an upheld rate of 31.9%.
Collection
Firm analysis
Complaint volumes, product concentration, and upheld-rate context for the biggest firms in the corpus.
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Bank of Scotland Plc firm analysis
Bank of Scotland Plc
27,153 published decisions with 13.3% upheld.
Lloyds Bank PLC firm analysis
Lloyds Bank PLC
19,630 published decisions with 19.3% upheld.
Santander UK Plc firm analysis
Santander UK Plc
14,075 published decisions with 25.9% upheld.
Barclays Bank Plc firm analysis
Barclays Bank Plc
13,942 published decisions with 27.9% upheld.
Nationwide Building Society firm analysis
Nationwide Building Society
13,036 published decisions with 22.7% upheld.
National Westminster Bank Plc firm analysis
National Westminster Bank Plc
11,562 published decisions with 21.9% upheld.
Collection
Product analysis
Deep dives into complaint performance by product line and recurring ombudsman themes.
Open archive
Banking and credit product analysis
Banking and credit
84,364 published decisions with 28.6% upheld.
Payment protection insurance (PPI) product analysis
Payment protection insurance (PPI)
80,231 published decisions with 31.0% upheld.
Banking and Payments product analysis
Banking and Payments
54,087 published decisions with 28.8% upheld.
Insurance product analysis
Insurance
49,991 published decisions with 35.9% upheld.
Insurance (excluding PPI) product analysis
Insurance (excluding PPI)
41,974 published decisions with 35.1% upheld.
Consumer Credit product analysis
Consumer Credit
29,609 published decisions with 41.8% upheld.
Collection
Complaint themes
Root-cause and complaint-theme pages built from the recurring issues tagged across published decisions.
Open archive
Delay In Claim Handling complaint-theme analysis
Delay In Claim Handling
38,616 tagged decisions with 36.5% upheld.
Affordability Assessment Failure complaint-theme analysis
Affordability Assessment Failure
23,785 tagged decisions with 29.0% upheld.
Fraud Or Scam Concern complaint-theme analysis
Fraud Or Scam Concern
22,385 tagged decisions with 28.3% upheld.
Non-disclosure Or Misrepresentation complaint-theme analysis
Non-disclosure Or Misrepresentation
11,847 tagged decisions with 19.8% upheld.
Communication Failure complaint-theme analysis
Communication Failure
5,110 tagged decisions with 24.7% upheld.
Policy Wording Ambiguity complaint-theme analysis
Policy Wording Ambiguity
3,576 tagged decisions with 43.3% upheld.
Collection
Year + product analysis
Curated cross-pages for the strongest year and product combinations in the published corpus.
Open archive
2014 + product analysis
Payment protection insurance (PPI) complaints in 2014
16,981 published decisions in Payment protection insurance (PPI) during 2014, with 19.0% upheld.
2018 + product analysis
Payment protection insurance (PPI) complaints in 2018
15,511 published decisions in Payment protection insurance (PPI) during 2018, with 44.2% upheld.
2015 + product analysis
Banking and credit complaints in 2015
14,007 published decisions in Banking and credit during 2015, with 25.4% upheld.
2025 + product analysis
Banking and Payments complaints in 2025
13,903 published decisions in Banking and Payments during 2025, with 24.7% upheld.
2016 + product analysis
Payment protection insurance (PPI) complaints in 2016
13,292 published decisions in Payment protection insurance (PPI) during 2016, with 31.9% upheld.
2017 + product analysis
Banking and credit complaints in 2017
11,853 published decisions in Banking and credit during 2017, with 29.7% upheld.
Collection
Firm + product analysis
Curated cross-pages for firms with strong product-specific complaint footprints in published decisions.
Open archive
Firm + product analysis
Bank of Scotland Plc · Payment protection insurance (PPI)
14,267 published decisions involving Bank of Scotland Plc in Payment protection insurance (PPI), with 11.3% upheld.
Firm + product analysis
Lloyds Bank PLC · Payment protection insurance (PPI)
8,119 published decisions involving Lloyds Bank PLC in Payment protection insurance (PPI), with 23.5% upheld.
Firm + product analysis
Barclays Bank Plc · Banking and credit
6,620 published decisions involving Barclays Bank Plc in Banking and credit, with 20.4% upheld.
Firm + product analysis
Barclays Bank UK PLC · Banking and Payments
6,194 published decisions involving Barclays Bank UK PLC in Banking and Payments, with 25.9% upheld.
Firm + product analysis
Bank of Scotland Plc · Banking and credit
6,023 published decisions involving Bank of Scotland Plc in Banking and credit, with 13.0% upheld.
Firm + product analysis
Barclays Bank Plc · Payment protection insurance (PPI)
5,834 published decisions involving Barclays Bank Plc in Payment protection insurance (PPI), with 35.5% upheld.