Tagged decisions
37,479
Published decisions carrying this complaint-theme tag
Complaint theme analysis
Delay In Claim Handling complaint theme analysis
A public analysis page for the complaint theme delay in claim handling, built from the root-cause tagging layer across published Financial Ombudsman decisions.
Page summary
37,479 published decisions tagged delay in claim handling, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
37,479
Published decisions carrying this complaint-theme tag
Upheld rate
36.8%
13,776 upheld decisions
Latest published decision 02 Feb 2026
Upheld rate
36.8%
13,776 upheld decisions
Leading product
Banking and credit
14,384 decisions
Leading firm
Bank of Scotland Plc
1,664 decisions
Delay In Claim Handling as a public complaint theme
37,479 published decisions in the corpus carry the complaint-theme tag delay in claim handling. 36.8% 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
Delay In Claim Handling 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, delay in claim handling appeared in 135 published decisions with an upheld rate of 30.4%.
- 2026: 135 decisions, 30.4% upheld
- 2025: 1,537 decisions, 33.0% upheld
- 2024: 1,418 decisions, 48.6% upheld
- 2023: 1,408 decisions, 50.9% upheld
- 2022: 1,449 decisions, 39.5% upheld
Where the theme concentrates
Banking 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, Section 75 Cca, Disp, and others are the most visible precedent signals tied to this complaint theme.
- Banking and credit: 14,384 decisions
- Bank of Scotland Plc: 1,664 decisions
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-509089902 Feb 2026Not upheld
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments
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 S to accept or reject my decision before 2 March 2026.
View source decisionDRN-557014102 Feb 2026Not upheld
Tide Platform Limited · Banking and Payments
My final decision is I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 2 March 2026.
View source decisionDRN-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-574988902 Feb 2026Not upheld
AJ Bell Securities Limited · Investments
My final decision is that I don’t uphold the estate of Mr W’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mr W to accept or reject my decision before 2 March 2026.
View source decisionDRN-575076502 Feb 2026Upheld
Handelsbanken plc · Banking and Payments
My final decision is I don’t uphold Mr J’s complaint against Handelsbanken plc. 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.
View source decision