Tagged decisions
860
Published decisions carrying this complaint-theme tag
Complaint theme analysis
Administrative Error complaint theme analysis
A public analysis page for the complaint theme administrative error, built from the root-cause tagging layer across published Financial Ombudsman decisions.
Upheld rate
35.9%
309 upheld decisions
Page summary
860 published decisions tagged administrative error, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
860
Published decisions carrying this complaint-theme tag
Upheld rate
35.9%
309 upheld decisions
Latest published decision 25 Aug 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.
Tagged decisions
860
Published decisions carrying this complaint-theme tag
Upheld rate
35.9%
309 upheld decisions
Leading product
Banking and credit
342 decisions
Leading firm
Bank of Scotland Plc
44 decisions
Administrative Error as a public complaint theme
Analysis860 published decisions in the corpus carry the complaint-theme tag administrative error. 35.9% of those decisions were upheld, which makes this one of the most useful public “type” slices available in the dataset.
Banking and credit is the product line most often associated with this theme, while Bank of Scotland Plc is the firm that appears most often alongside it in published decisions.
- Latest year represented: 2026
- Leading precedent signal: Consumer Credit Act 1974
- Leading firm: Bank of Scotland Plc
How this theme moves across the corpus
AnalysisAdministrative Error has enough history in the published decisions to show how complaint pressure has evolved across multiple years, rather than appearing as a one-off issue cluster.
In 2026, administrative error appeared in 103 published decisions with an upheld rate of 38.8%.
- 2026: 103 decisions, 38.8% upheld
- 2025: 8 decisions, 50.0% upheld
- 2024: 15 decisions, 73.3% upheld
- 2023: 11 decisions, 72.7% upheld
- 2022: 11 decisions, 36.4% upheld
Where the theme concentrates
AnalysisBanking and credit, Insurance (excluding PPI), Investment and pensions, and others are the product areas most associated with this theme in published decisions. That helps explain where this complaint type is most likely to appear in the ombudsman corpus.
Consumer Credit Act 1974, Disp, Fsma, and others are the most visible precedent signals tied to this complaint theme.
- Banking and credit: 342 decisions
- Bank of Scotland Plc: 44 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-616470525 Aug 2026Upheld
Wesleyan Assurance Society · Insurance
For the reasons I’ve explained, I’m satisfied that the offer now made to resolve this complaint is fair and reasonable. To put things right, Wesleyan Assurance Society must pay Ms D a total of £450 to address the distress caused.
View source decisionDRN-651895125 Aug 2026Not upheld
Nationwide Building Society · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K to accept or reject my decision before 22 September 2026.
View source decisionDRN-655422925 Aug 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
For the reasons I’ve explained, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 22 September 2026.
View source decisionDRN-657431625 Aug 2026Not upheld
American Express Services Europe Limited · Banking and Payments
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 22 September 2026.
View source decisionDRN-657796125 Aug 2026Upheld
BMW Financial Services (GB) Limited · Consumer Credit
My final decision is that I uphold this complaint. BMW FINANCIAL SERVICES (GB) LIMITED trading as Alphera Financial Services must: • Collect the car at no further cost to Ms C.
View source decision