Tagged decisions
815
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
35.7%
291 upheld decisions
Page summary
815 published decisions tagged administrative error, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
815
Published decisions carrying this complaint-theme tag
Upheld rate
35.7%
291 upheld decisions
Latest published decision 21 Apr 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
815
Published decisions carrying this complaint-theme tag
Upheld rate
35.7%
291 upheld decisions
Leading product
Banking and credit
342 decisions
Leading firm
Bank of Scotland Plc
43 decisions
Administrative Error as a public complaint theme
Analysis815 published decisions in the corpus carry the complaint-theme tag administrative error. 35.7% 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 58 published decisions with an upheld rate of 37.9%.
- 2026: 58 decisions, 37.9% 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-626997521 Apr 2026Not upheld
ClearBank Limited · 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 Mr T on behalf of B Ltd to accept or reject my decision before 19 May 2026.
View source decisionDRN-630594121 Apr 2026Upheld
Bank of Scotland Plc · Consumer Credit
My final decision is I uphold Mr M’s complaint and direct Bank of Scotland plc to put things right in the way I’ve set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 19 May 2026.
View source decisionDRN-627848220 Apr 2026Not upheld
J.P. Morgan Europe Limited · Banking and Payments
For the reasons given above, 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 O to accept or reject my decision before 18 May 2026.
View source decisionDRN-626309217 Apr 2026Not upheld
Santander UK Plc · Banking and Payments
For the reasons mentioned above, my final decision is not to uphold this complaint against Santander UK Plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 15 May 2026.
View source decisionDRN-629368017 Apr 2026Upheld
Ikano Bank AB (publ) · Consumer Credit
My final decision is that I uphold this complaint, and I require Ikano Bank AB (publ) to pay Mr J £400 for the distress and inconvenience it caused to him. It appears that Ikano Bank AB (publ) has already arranged for the default to be removed from Mr J’s credit file.
View source decision