Firm + product analysis

National Westminster Bank Plc in Banking and credit

A curated public analysis of National Westminster Bank Plc's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

5,593 published FOS decisions involving National Westminster Bank Plc in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

5,593

Decision volume in this firm-product slice

Upheld rate

14.7%

822 upheld decisions

Latest published decision 07 Sept 2021

Published decisions

5,593

Decision volume in this firm-product slice

Upheld rate

14.7%

822 upheld decisions

Latest active year

2021

23 decisions

Leading complaint theme

Delay In Claim Handling

903 tagged decisions

National Westminster Bank Plc in Banking and credit

National Westminster Bank Plc appears in 5,593 published decisions in Banking and credit across this corpus. 14.7% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 23 published decisions and an upheld rate of 21.7%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

National Westminster Bank Plc has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of National Westminster Bank Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 23 decisions, 21.7% upheld
  • 2020: 252 decisions, 21.4% upheld
  • 2019: 483 decisions, 15.9% upheld
  • 2018: 561 decisions, 18.7% upheld
  • 2017: 705 decisions, 15.9% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN562874707 Sept 2021Upheld

National Westminster Bank Plc · Banking and credit

Mr P complains that National Westminster Bank Plc declined his claim under Section 75 of the Consumer Credit Act 1974. Background In June I issued a provisional decision saying that I was minded to uphold Mr P’s complaint. I then invited both parties to let me have any further submissions ... (8 pages)

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DRN462679202 Jul 2021Not upheld

National Westminster Bank Plc · Banking and credit

Ms P says National Westminster Bank Plc (‘NatWest’) has unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (‘CCA’). background In 2004, Ms P had an elective surgical procedure for which she paid £3,700 using her NatWest credit card. In 2013, Ms P had surgery to re... (3 pages)

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DRN498386630 Jun 2021Not upheld

National Westminster Bank Plc · Banking and credit

Complaint Mr and Mrs T are business partners. They complain about the actions of National Westminster Bank Plc regarding the management of their loan accounts. Background The partnership’s business had banked with NatWest since 1980. Their accounts were transferred to the bank’s Global Res... (5 pages)

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DRN511297328 Jun 2021Not upheld

National Westminster Bank Plc · Banking and credit

Mr W complains that National Westminster Bank Plc should have done more to stop him losing money to a scam. background The detailed background to this complaint is well known to both parties, so I’ll provide only an overview of the key facts here. In August 2015, Mr W received an email pur... (7 pages)

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DRN780349315 Jun 2021Not upheld

National Westminster Bank Plc · Banking and credit

Complaint Mr F, a director of Company C, is complaining on behalf of C. The complaint, in summary, is that due to misinformation by National Westminster Bank Plc, the company proceeded to switch its account to another bank and that led to several difficulties to C, resulting in a substanti... (8 pages)

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