Published decisions
580
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.
Page summary
580 published decisions involving National Savings and Investments, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
580
Firm-specific decision volume in the public corpus
Upheld rate
29.3%
170 upheld decisions
Latest published decision 22 Dec 2025
Upheld rate
29.3%
170 upheld decisions
Leading product
Banking and Payments
351 decisions
Leading complaint theme
Delay In Claim Handling
108 tagged decisions
National Savings and Investments at a glance
National Savings and Investments appears in 580 published decisions in this corpus. 29.3% 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 351 decisions and an upheld rate of 35.6%.
- Latest active year in the published data: 2025 (50 decisions)
- Most common complaint theme: Delay In Claim Handling
Volume and outcome trajectory
National Savings and Investments'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, National Savings and Investments appeared in 50 published decisions with an upheld rate of 42.0%.
- 2025: 50 decisions, 42.0% upheld
- 2024: 95 decisions, 50.5% upheld
- 2023: 40 decisions, 45.0% upheld
- 2022: 87 decisions, 39.1% upheld
- 2021: 79 decisions, 17.7% upheld
Themes, products, and precedent signals
Delay 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: 351 decisions
- Second complaint theme: Fraud Or Scam Concern
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-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 decisionDRN-596634015 Dec 2025Not upheld
National Savings and Investments · Banking and Payments
DRN-5966340 The complaint Mrs H complains about the way that National Savings and Investments (NS&I) dealt with her when she wanted to cash in her late husband’s bonds. She said she was given conflicting information as to whether a Grant of Probate (GOP) was needed. What happened Mr... (3 pages)
View source decisionDRN-585257208 Dec 2025Not upheld
National Savings and Investments · Banking and Payments
DRN-5852572 The complaint Mr W complains about the customer service he’s received from National Savings and Investments (‘NS&I’) in relation to bonds he holds with it. What happened Mr W has held some premium bonds with NS&I for many years, with them being opened in 1961, 2005 a... (2 pages)
View source decisionDRN-596335605 Dec 2025Upheld
National Savings and Investments · Banking and Payments
DRN-5963356 The complaint Mr A complains that National Savings and Investments (NS&I) won’t reissue a £9,000 cheque that they’ve said was sent to him. They’re now saying that he isn’t owed this money, but he wants the cheque reissued. What happened In March 2023, Mr A requested that... (2 pages)
View source decision