Tagged decisions
769
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.
Page summary
769 published decisions tagged administrative error, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
769
Published decisions carrying this complaint-theme tag
Upheld rate
35.4%
272 upheld decisions
Latest published decision 05 Feb 2026
Upheld rate
35.4%
272 upheld decisions
Leading product
Banking and credit
342 decisions
Leading firm
Bank of Scotland Plc
40 decisions
Administrative Error as a public complaint theme
769 published decisions in the corpus carry the complaint-theme tag administrative error. 35.4% 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
Administrative 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 12 published decisions with an upheld rate of 25.0%.
- 2026: 12 decisions, 25.0% 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
Banking 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: 40 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-596790505 Feb 2026Not upheld
Skipton Building Society · Banking and Payments
Skipton Building Society has already made an offer to pay Mr C £100 to settle the complaint, and I think this offer is fair in all the circumstances. So, my decision is that Skipton Building Society should pay Mr C £100.
View source decisionDRN-601440405 Feb 2026Not upheld
HSBC UK Bank Plc · 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 S to accept or reject my decision before 5 March 2026.
View source decisionDRN-598628204 Feb 2026Not upheld
St. James's Place Wealth Management Plc · Pensions and Annuities
I don’t uphold this complaint and make no award. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms D to accept or reject my decision before 4 March 2026.
View source decisionDRN-611318604 Feb 2026Upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that Clydesdale Bank Plc trading as Virgin Money should pay £75 compensation to Mrs D. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs D to accept or reject my decision before 4 March 2026.
View source decisionDRN-590728003 Feb 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons I have given it is my final decision that the complaint is not upheld. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mr D to accept or reject my decision before 3 March 2026.
View source decision