Published decisions
583
Firm-specific decision volume in the public corpus
Firm analysis
National Savings and Investments complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving National Savings and Investments, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
29.2%
170 upheld decisions
Page summary
583 published decisions involving National Savings and Investments, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
583
Firm-specific decision volume in the public corpus
Upheld rate
29.2%
170 upheld decisions
Latest published decision 06 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
583
Firm-specific decision volume in the public corpus
Upheld rate
29.2%
170 upheld decisions
Leading product
Banking and Payments
354 decisions
Leading complaint theme
Delay In Claim Handling
108 tagged decisions
National Savings and Investments at a glance
AnalysisNational Savings and Investments appears in 583 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 Payments is the firm’s clearest product exposure in the published decisions, with 354 decisions and an upheld rate of 35.3%.
- Latest active year in the published data: 2026 (3 decisions)
- Most common complaint theme: Delay In Claim Handling
Volume and outcome trajectory
AnalysisNational Savings and Investments's decision trail runs from 2013 to 2026. 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, National Savings and Investments appeared in 3 published decisions with an upheld rate of 0.0%.
- 2026: 3 decisions, 0.0% upheld
- 2025: 50 decisions, 42.0% upheld
- 2024: 95 decisions, 50.5% upheld
- 2023: 40 decisions, 45.0% upheld
- 2022: 87 decisions, 39.1% upheld
Themes, products, and precedent signals
AnalysisDelay In Claim Handling is the strongest complaint-theme signal tied to National Savings and Investments in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Precedent tagging does not surface a strong repeated signal for this firm.
- Banking and Payments: 354 decisions
- Second complaint theme: Fraud Or Scam Concern
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-618923106 Mar 2026Not upheld
National Savings and Investments · Banking and Payments
For the reasons I have given, my final decision is I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr W to accept or reject my decision before 2 April 2026.
View source decisionDRN-604441205 Mar 2026Not upheld
National Savings and Investments · Banking and Payments
For the reasons I have given, my final decision is I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr W to accept or reject my decision before 30 March 2026.
View source decisionDRN-595605503 Feb 2026Not upheld
National Savings and Investments · Banking and Payments
My final decision is that I can’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr W on behalf of his son’s estate to accept or reject my decision before 3 March 2026.
View source decisionDRN-589529222 Dec 2025Not upheld
National Savings and Investments · Banking and Payments
DRN-5895292 The complaint Mrs R complains National Savings and Investments (“NS&I”) refuses to refund her for unauthorised transactions on her account. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In short, Mrs R di... (2 pages)
View source decisionDRN-572918916 Dec 2025Not upheld
National Savings and Investments · Banking and Payments
DRN-5729189 The complaint Mrs H complains that National Savings & Investments froze her income bond account. What happened Mrs H had an income bond with NS&I. But in March 2025, Mrs H noticed that she hadn’t been credited with interest. NS&I told her that it had frozen the a... (2 pages)
View source decision