Firm analysis

Yorkshire Building Society complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Yorkshire Building Society, including outcome context, product mix, complaint themes, and representative cases.

Page summary

2,120 published decisions involving Yorkshire Building Society, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,120

Firm-specific decision volume in the public corpus

Upheld rate

30.6%

649 upheld decisions

Latest published decision 18 Dec 2025

Published decisions

2,120

Firm-specific decision volume in the public corpus

Upheld rate

30.6%

649 upheld decisions

Leading product

Payment protection insurance (PPI)

1,323 decisions

Leading complaint theme

Affordability Assessment Failure

216 tagged decisions

Yorkshire Building Society at a glance

Yorkshire Building Society appears in 2,120 published decisions in this corpus. 30.6% 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 1,323 decisions and an upheld rate of 34.9%.

  • Latest active year in the published data: 2025 (38 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Yorkshire Building Society'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, Yorkshire Building Society appeared in 38 published decisions with an upheld rate of 23.7%.

  • 2025: 38 decisions, 23.7% upheld
  • 2024: 64 decisions, 32.8% upheld
  • 2023: 41 decisions, 17.1% upheld
  • 2022: 38 decisions, 31.6% upheld
  • 2021: 117 decisions, 19.7% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Yorkshire Building Society 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): 1,323 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-602919718 Dec 2025Not upheld

Yorkshire Building Society · Mortgages

DRN-6029197 The complaint Ms G complains about how Yorkshire Building Society trading as Chelsea Building Society (‘CBS’) handled the sale of her buy to let property in 2010 which led to a shortfall. She also complains that CBS recently added the resulting shortfall debt to the redempti... (4 pages)

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DRN-592478116 Dec 2025Not upheld

Yorkshire Building Society · Insurance

DRN-5924781 The complaint Mr S complains that Yorkshire Building Society (YBS) mis-sold him a Legal & General Life Assurance policy alongside a mortgage. What happened Mr S complained as he received a letter from the provider, Legal & General, about the plan in 2024. He says tha... (2 pages)

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DRN-585402015 Dec 2025Not upheld

Yorkshire Building Society · Banking and Payments

DRN-5854020 The complaint Mr T complains that Yorkshire Building Society failed to recognise a third-party authority in place that allows his son to discuss his financial affairs on his behalf. Mr T says that as a result he was excluded from a financial service which amounts to discrimi... (3 pages)

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DRN-596244715 Dec 2025Not upheld

Yorkshire Building Society · Banking and Payments

DRN-5962447 The complaint Miss L is unhappy with the service provided by Yorkshire Building Society (YBS) and complained about : ▪ problems accessing her savings accounts via the YBS mobile app. ▪ Her experience with branch staff. ▪ YBS recording her phone number incorrectly. ▪ Difficu... (3 pages)

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DRN-591294805 Dec 2025Not upheld

Yorkshire Building Society · Banking and Payments

DRN-5912948 The complaint Mr S complains that Yorkshire Building Society (YBS) won’t refund him the money he says he lost in a work tasks scam. What happened The circumstances surrounding this complaint are well known to both parties, so I haven’t repeated them in detail here. Instead, ... (3 pages)

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