Tagged decisions
24,082
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.
Upheld rate
28.8%
6,945 upheld decisions
Page summary
24,082 published decisions tagged affordability assessment failure, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
24,082
Published decisions carrying this complaint-theme tag
Upheld rate
28.8%
6,945 upheld decisions
Latest published decision 18 Aug 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
24,082
Published decisions carrying this complaint-theme tag
Upheld rate
28.8%
6,945 upheld decisions
Leading product
Payment protection insurance (PPI)
8,729 decisions
Leading firm
Bank of Scotland Plc
2,763 decisions
Affordability Assessment Failure as a public complaint theme
Analysis24,082 published decisions in the corpus carry the complaint-theme tag affordability assessment failure. 28.8% 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
AnalysisAffordability 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 1,206 published decisions with an upheld rate of 13.5%.
- 2026: 1,206 decisions, 13.5% 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
AnalysisPayment 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, Section 140a Cca, Conc, and others are the most visible precedent signals tied to this complaint theme.
- Payment protection insurance (PPI): 8,729 decisions
- Bank of Scotland Plc: 2,763 decisions
- Second precedent signal: Section 140a Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-641169118 Aug 2026Not upheld
Toyota Financial Services (UK) Plc · Consumer Credit
For the reasons I’ve given above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss A to accept or reject my decision before 15 September 2026.
View source decisionDRN-644148118 Aug 2026Upheld
American Express Services Europe Limited · Banking and Payments
My final decision is that I uphold the complaint. American Express Services Europe Limited must take the steps I’ve set out above.
View source decisionDRN-648791618 Aug 2026Upheld
Curve Credit Limited · Banking and Payments
My final decision is that I uphold the complaint in part and I direct that Curve Credit Limited does as I have set out in the ‘putting things right’ part of the decision. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 14 September 2026.
View source decisionDRN-650121518 Aug 2026Not upheld
TSB Bank plc · Banking and Payments
My final decision is that I’m not upholding Mr C’s complaint about TSB Bank plc and so I won’t be asking it to do anything more. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 15 September 2026.
View source decisionDRN-651185818 Aug 2026Upheld
Santander UK Plc · Banking and Payments
My final decision is that I uphold this complaint against Santander UK Plc on the basis explained above. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss M to accept or reject my decision before 15 September 2026.
View source decision