Published decisions
1,170
Firm-specific decision volume in the public corpus
Firm analysis
Bradford & Bingley Plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Bradford & Bingley Plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
1,170 published decisions involving Bradford & Bingley Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,170
Firm-specific decision volume in the public corpus
Upheld rate
21.8%
255 upheld decisions
Latest published decision 17 Feb 2022
Upheld rate
21.8%
255 upheld decisions
Leading product
Payment protection insurance (PPI)
896 decisions
Leading complaint theme
Affordability Assessment Failure
192 tagged decisions
Bradford & Bingley Plc at a glance
Bradford & Bingley Plc appears in 1,170 published decisions in this corpus. 21.8% 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.
Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 896 decisions and an upheld rate of 21.1%.
- Latest active year in the published data: 2022 (5 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Bradford & Bingley Plc's decision trail runs from 2013 to 2022. 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, Bradford & Bingley Plc appeared in 5 published decisions with an upheld rate of 20.0%.
- 2022: 5 decisions, 20.0% upheld
- 2021: 82 decisions, 13.4% upheld
- 2020: 65 decisions, 13.8% upheld
- 2019: 120 decisions, 39.2% upheld
- 2018: 72 decisions, 20.8% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to Bradford & Bingley Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Disp, Icobs, 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.
- Payment protection insurance (PPI): 896 decisions
- Second complaint theme: Non-disclosure Or Misrepresentation
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-331974717 Feb 2022Upheld
Bradford & Bingley Plc · Insurance
DRN-3319747 The complaint This complaint is about a loan payment protection insurance (PPI) policy taken out in 1988. Mr and Mrs R say Bradford & Bingley Plc (“Bradford & Bingley”) mis-sold them PPI. What happened The background and circumstances leading up to this complaint, which... (3 pages)
View source decisionDRN-303632417 Jan 2022Not upheld
Bradford & Bingley Plc · Insurance
DRN-3036324 The complaint Mrs C and Mr D took out a mortgage in 1996 with Bradford & Bingley Plc, trading as Bradford & Bingley Building Society (“B&B”), and were sold a mortgage payment protection insurance (PPI) policy at the same time. They say they were mis-sold this type o... (2 pages)
View source decisionDRN-269921112 Jan 2022Not upheld
Bradford & Bingley Plc · Pensions and Annuities
DRN-2699211 The complaint Mr M complains, through his representative, that Bradford & Bingley Plc gave him unsuitable advice to transfer out of his occupational pension scheme in 1994. The representative also said that the compensation Mr M subsequently received as part of the regulato... (3 pages)
View source decisionDRN-291118210 Jan 2022Not upheld
Bradford & Bingley Plc · Insurance
DRN-2911182 The complaint Mr S says Bradford & Bingley Plc mis-sold him a payment protection insurance (PPI) policy when he took out a further advance loan attached to his existing mortgage in 1989. What happened Our adjudicator looked at Mr S’s complaint but didn’t think that it shoul... (3 pages)
View source decisionDRN-321805905 Jan 2022Not upheld
Bradford & Bingley Plc · Insurance
DRN-3218059 The complaint Mr and Mrs N complain that Bradford & Bingley plc mis-sold a payment protection insurance (PPI) policy. What happened This complaint is about a PPI policy taken out by Mrs N in 1989 in connection with a mortgage that she took out with her late mother. Mr N was... (3 pages)
View source decision