Tagged decisions
841
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%
300 upheld decisions
Page summary
841 published decisions tagged administrative error, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
841
Published decisions carrying this complaint-theme tag
Upheld rate
35.7%
300 upheld decisions
Latest published decision 28 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
841
Published decisions carrying this complaint-theme tag
Upheld rate
35.7%
300 upheld decisions
Leading product
Banking and credit
342 decisions
Leading firm
Bank of Scotland Plc
44 decisions
Administrative Error as a public complaint theme
Analysis841 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 84 published decisions with an upheld rate of 36.9%.
- 2026: 84 decisions, 36.9% 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: 44 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-643281028 Jul 2026Not upheld
Scottish Friendly Assurance Society Limited · Investments
Scottish Friendly Assurance Society Limited has already made an offer to pay Mr B £1,530. 10 net late payment interest and £400 compensation to settle the complaint, and I am satisfied this offer is fair in all the circumstances.
View source decisionDRN-649186828 Jul 2026Upheld
Advantage Insurance Company Limited · Insurance
My final decision is that I uphold Miss A’s complaint. To put things right I direct Advantage Insurance Company Limited to do as I’ve set out above.
View source decisionDRN-630704827 Jul 2026Not upheld
Bank of Scotland Plc · Banking and Payments
For the reasons I’ve explained, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F to accept or reject my decision before 24 August 2026.
View source decisionDRN-648628727 Jul 2026Not upheld
Liverpool Victoria Insurance Company Limited · Insurance
So, for these reasons, it’s my final decision that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 24 August 2026.
View source decisionDRN-649208727 Jul 2026Upheld
TSB Bank plc · Banking and Payments
My final decision is that I uphold Mr B’s complaint and I direct TSB Bank plc to: - Refund Mr B £1,718. 22, plus interest from the date of the payments to the date of the settlement.
View source decision