Tagged decisions
22,973
Published decisions carrying this complaint-theme tag
Complaint theme analysis
Affordability Assessment Failure complaint theme analysis
A public analysis page for the complaint theme affordability assessment failure, built from the root-cause tagging layer across published Financial Ombudsman decisions.
Page summary
22,973 published decisions tagged affordability assessment failure, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
22,973
Published decisions carrying this complaint-theme tag
Upheld rate
29.6%
6,793 upheld decisions
Latest published decision 02 Feb 2026
Upheld rate
29.6%
6,793 upheld decisions
Leading product
Payment protection insurance (PPI)
8,729 decisions
Leading firm
Bank of Scotland Plc
2,743 decisions
Affordability Assessment Failure as a public complaint theme
22,973 published decisions in the corpus carry the complaint-theme tag affordability assessment failure. 29.6% of those decisions were upheld, which makes this one of the most useful public “type” slices available in the dataset.
Payment protection insurance (PPI) 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
Affordability Assessment Failure 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, affordability assessment failure appeared in 97 published decisions with an upheld rate of 11.3%.
- 2026: 97 decisions, 11.3% upheld
- 2025: 1,145 decisions, 18.0% upheld
- 2024: 999 decisions, 26.6% upheld
- 2023: 839 decisions, 39.3% upheld
- 2022: 903 decisions, 60.2% upheld
Where the theme concentrates
Payment protection insurance (PPI), Banking and credit, Consumer Credit, 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, Conc, Section 140a Cca, and others are the most visible precedent signals tied to this complaint theme.
- Payment protection insurance (PPI): 8,729 decisions
- Bank of Scotland Plc: 2,743 decisions
- Second precedent signal: Conc
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-564159802 Feb 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
For the reasons outlined above, I’m not upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 2 March 2026.
View source decisionDRN-580302302 Feb 2026Not upheld
Oakbrook Finance Limited · Consumer Credit
It’s my final decision that I don’t uphold this complaint against Oakbrook Finance Limited, for the reasons explained above Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 2 March 2026. David Barker Ombudsman
View source decisionDRN-580407402 Feb 2026Not upheld
Mitsubishi HC Capital UK Plc · Consumer Credit
For the reasons set out above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs I to accept or reject my decision before 2 March 2026.
View source decisionDRN-582792902 Feb 2026Not upheld
Bamboo Limited · Consumer Credit
As outlined above, it’s my final decision that I don’t uphold this complaint against Bamboo Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss C to accept or reject my decision before 2 March 2026.
View source decisionDRN-583353302 Feb 2026Not upheld
Frasers Group Financial Services Limited · Consumer Credit
For the reasons I’ve explained, I’m not upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs A to accept or reject my decision before 2 March 2026.
View source decision