Tagged decisions
11,847
Published decisions carrying this complaint-theme tag
Complaint theme analysis
Non-disclosure Or Misrepresentation complaint theme analysis
A public analysis page for the complaint theme non-disclosure or misrepresentation, built from the root-cause tagging layer across published Financial Ombudsman decisions.
Upheld rate
19.8%
2,349 upheld decisions
Page summary
11,847 published decisions tagged non-disclosure or misrepresentation, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
11,847
Published decisions carrying this complaint-theme tag
Upheld rate
19.8%
2,349 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
11,847
Published decisions carrying this complaint-theme tag
Upheld rate
19.8%
2,349 upheld decisions
Leading product
Payment protection insurance (PPI)
4,314 decisions
Leading firm
AXA France IARD
2,023 decisions
Non-disclosure Or Misrepresentation as a public complaint theme
Analysis11,847 published decisions in the corpus carry the complaint-theme tag non-disclosure or misrepresentation. 19.8% 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 AXA France IARD 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: AXA France IARD
How this theme moves across the corpus
AnalysisNon-disclosure Or Misrepresentation 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, non-disclosure or misrepresentation appeared in 622 published decisions with an upheld rate of 8.4%.
- 2026: 622 decisions, 8.4% upheld
- 2025: 199 decisions, 23.1% upheld
- 2024: 107 decisions, 62.6% upheld
- 2023: 132 decisions, 33.3% upheld
- 2022: 582 decisions, 17.0% upheld
Where the theme concentrates
AnalysisPayment protection insurance (PPI), Banking and credit, Insurance (excluding PPI), 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, Icobs, and others are the most visible precedent signals tied to this complaint theme.
- Payment protection insurance (PPI): 4,314 decisions
- AXA France IARD: 2,023 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-476287721 Apr 2026Not upheld
Mitsubishi HC Capital UK Plc · Consumer Credit
My decision is that I do not uphold this complaint. 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-480026321 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C and Mr S to accept or reject my decision before 19 May 2026.
View source decisionDRN-604067121 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons given, I don’t think it was unfair for Shawbrook Bank Limited to decline Mr and Mrs I’s claims under section 75 of the CCA. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs A and Mr I to accept or reject my decision before 19 May 2026.
View source decisionDRN-604147221 Apr 2026Not upheld
Volkswagen Financial Services (UK) Limited · Consumer Credit
For the reasons given above, it’s my final decision not to uphold this complaint. 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-614074721 Apr 2026Not upheld
St. James's Place Wealth Management Plc · Pensions and Annuities
I don’t uphold Mr S’s complaint against St. James's Place Wealth Management Plc.
View source decision