Published decisions
1,215
Firm-specific decision volume in the public corpus
Firm analysis
Bank of Ireland (UK) Plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Bank of Ireland (UK) Plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
1,215 published decisions involving Bank of Ireland (UK) Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,215
Firm-specific decision volume in the public corpus
Upheld rate
29.2%
355 upheld decisions
Latest published decision 23 Dec 2025
Upheld rate
29.2%
355 upheld decisions
Leading product
Banking and credit
679 decisions
Leading complaint theme
Delay In Claim Handling
235 tagged decisions
Bank of Ireland (UK) Plc at a glance
Bank of Ireland (UK) Plc appears in 1,215 published decisions in this corpus. 29.2% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 679 decisions and an upheld rate of 24.6%.
- Latest active year in the published data: 2025 (31 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Bank of Ireland (UK) Plc's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Bank of Ireland (UK) Plc appeared in 31 published decisions with an upheld rate of 41.9%.
- 2025: 31 decisions, 41.9% upheld
- 2024: 48 decisions, 22.9% upheld
- 2023: 50 decisions, 36.0% upheld
- 2022: 70 decisions, 32.9% upheld
- 2021: 92 decisions, 34.8% upheld
Themes, products, and precedent signals
Delay In Claim Handling is the strongest complaint-theme signal tied to Bank of Ireland (UK) Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 75 Cca, Disp, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and credit: 679 decisions
- Second complaint theme: Fraud Or Scam Concern
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-603359223 Dec 2025Upheld
Bank of Ireland (UK) Plc · Mortgages
DRN-6033592 The complaint Mr M complains that Bank of Ireland (UK) Plc (“BoI”) refused to allow him to sell part of the land which forms security for his mortgage. Mr M said this sale would have greatly improved the position of his mortgage, and he couldn’t understand why BoI turned him... (5 pages)
View source decisionDRN-575137516 Dec 2025Upheld
Bank of Ireland (UK) Plc · Consumer Credit
DRN-5751375 The complaint Bank of Ireland (UK) Plc (“Bank of Ireland”) provided Mr D with a loan for £19,500 in August 2022. This was to be paid back at £379 a month over 84 months. Mr D says the credit was provided irresponsibly. What happened The details of this complaint are well-kn... (3 pages)
View source decisionDRN-588011825 Nov 2025Upheld
Bank of Ireland (UK) Plc · Banking and Payments
DRN-5880118 The complaint Mr A complains that Bank of Ireland (UK) Plc (BOI) did not accept a cheque he’d paid into his bank account. What happened In July 2025, Mr A paid a cheque for £2,100 into his BOI bank account. But the funds were not credited to his account. BOI said that was be... (4 pages)
View source decisionDRN-593916917 Nov 2025Not upheld
Bank of Ireland (UK) Plc · Mortgages
DRN-5939169 The complaint This complaint’s about a buy-to-let (BTL) mortgage Miss S holds with Bank of Ireland (UK) Plc (BOI). The complaint relates primarily to how BOI has dealt with Miss S’s requests for help during an extended period of financial hardship. What happened The broad c... (3 pages)
View source decisionDRN-589141911 Nov 2025Not upheld
Bank of Ireland (UK) Plc · Mortgages
DRN-5891419 The complaint Mr and Mrs W complain that Bank of Ireland (UK) Plc (BOI) has restarted legal action due to arrears on their mortgage, despite its solicitors writing to them saying that it had ceased all legal action and closed its file. What happened Mr and Mrs W hold a mortg... (2 pages)
View source decision