Tagged decisions
826
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
35.6%
294 upheld decisions
Page summary
826 published decisions tagged administrative error, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
826
Published decisions carrying this complaint-theme tag
Upheld rate
35.6%
294 upheld decisions
Latest published decision 07 Jul 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
826
Published decisions carrying this complaint-theme tag
Upheld rate
35.6%
294 upheld decisions
Leading product
Banking and credit
342 decisions
Leading firm
Bank of Scotland Plc
43 decisions
Administrative Error as a public complaint theme
Analysis826 published decisions in the corpus carry the complaint-theme tag administrative error. 35.6% 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 69 published decisions with an upheld rate of 36.2%.
- 2026: 69 decisions, 36.2% 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: 43 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-646599107 Jul 2026Not upheld
Admiral Insurance (Gibraltar) Limited · Insurance
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss S to accept or reject my decision before 4 August 2026.
View source decisionDRN-632622906 Jul 2026Not upheld
I MORTGAGE GROUP LTD. · Mortgages
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 3 August 2026.
View source decisionDRN-644632006 Jul 2026Not upheld
Zurich Assurance Ltd · Insurance
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mr M to accept or reject my decision before 3 August 2026.
View source decisionDRN-647531706 Jul 2026Upheld
Lloyds Bank PLC · Banking and Payments
My final decision is that I uphold this complaint but I ‘m not making any further award as I’m satisfied Lloyds has already taken appropriate steps to put things right. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr T to accept or reject my decision before 3 August 2026.
View source decisionDRN-646793003 Jul 2026Upheld
ZILCH TECHNOLOGY LIMITED · Banking and Payments
My decision is that I uphold Mr M’s complaint and direct Zilch Technology Limited to settle by paying Mr M £100. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 31 July 2026.
View source decision