Published decisions
84,364
Product-specific decision volume in the public corpus
Product analysis
Banking and credit complaint analysis
A public view of how Banking and credit performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Page summary
84,364 published FOS decisions in Banking and credit, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
84,364
Product-specific decision volume in the public corpus
Upheld rate
28.6%
24,137 upheld decisions
Latest published decision 30 May 2023
Upheld rate
28.6%
24,137 upheld decisions
Leading firm
Barclays Bank Plc
6,620 decisions
Leading complaint theme
Delay In Claim Handling
14,384 tagged decisions
Banking and credit in the ombudsman corpus
84,364 published decisions in this corpus sit within Banking and credit. 28.6% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
Barclays Bank Plc is the single biggest firm exposure inside Banking and credit in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.
- Latest year in the product series: 2023
- Leading precedent signal: Consumer Credit Act 1974
- Advisor risk signal: low
How the product moved over time
Banking and credit has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.
In 2023, Banking and credit recorded 1 published decisions with an upheld rate of 0.0%.
- 2023: 1 decisions, 0.0% upheld
- 2021: 896 decisions, 45.8% upheld
- 2020: 6,328 decisions, 45.0% upheld
- 2019: 10,429 decisions, 35.3% upheld
- 2018: 10,098 decisions, 29.8% upheld
Themes, precedent signals, and handling implications
delay in claim handling, affordability assessment failure, fraud or scam concern, and others are the strongest complaint-theme signals in Banking and credit. For public analysis, those tags are the closest durable “type” layer available in the dataset.
The existing advisor model also points to recurring handling implications for Banking and credit, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), and others.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-392660130 May 2023Not upheld
Barclays Bank UK PLC · Banking and credit
Page 1 of 2The complaint Mr W complains that Barclays Bank UK PLC, trading as Barclaycard, won’t refund interest on his account following a dispute with a third party. What happened In 2018 Mr W used his Barclays credit card to pay a third party for services through an intermediary. Mr W o... (2 pages)
View source decisionDRN434349428 Sept 2021Not upheld
MoneyGram International Limited · Banking and credit
Ms L complains that MoneyGram International Limited (MoneyGram) released a money transfer intended for her, to an unknown third party. background Ms L’s mother sent £700 to her through MoneyGram. When Ms L went to collect the transfer, she was told the funds had already been taken. Ms L co... (2 pages)
View source decisionDRN361614612 Sept 2021Upheld
Bank of Scotland Plc · Banking and credit
Complaint Mr W has complained that Bank of Scotland plc (trading as “Halifax”) unfairly added interest, fees and charges to his overdraft charged when it introduced a new overdraft charging structure in November 2017. He’s also unhappy that his account was closed and that this caused him t... (3 pages)
View source decisionDRN077532710 Sept 2021Upheld
Lloyds Bank PLC · Banking and credit
Complaint Mr M has complained that Lloyds Bank PLC (“Lloyds”) irresponsibly provided him with an unaffordable credit card and unaffordable loans. Background Mr M also has a complaint about an overdraft he jointly took out with his wife. And Mr M’s wife has her own complaint about loans in ... (8 pages)
View source decisionDRN116708510 Sept 2021Not upheld
Madison CF UK Limited · Banking and credit
Complaint Mr R is unhappy that Madison CF UK Limited (trading as “118 118 Money”) have held him liable for a loan he says was taken out fraudulently. Background In May 2018, a loan application was made with Madison. It was approved and the proceeds of £3,500 were paid into a bank account c... (2 pages)
View source decision