Tagged decisions
11,619
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
20.1%
2,336 upheld decisions
Page summary
11,619 published decisions tagged non-disclosure or misrepresentation, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
11,619
Published decisions carrying this complaint-theme tag
Upheld rate
20.1%
2,336 upheld decisions
Latest published decision 17 Mar 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
11,619
Published decisions carrying this complaint-theme tag
Upheld rate
20.1%
2,336 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
Analysis11,619 published decisions in the corpus carry the complaint-theme tag non-disclosure or misrepresentation. 20.1% 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 394 published decisions with an upheld rate of 9.9%.
- 2026: 394 decisions, 9.9% 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-587591917 Mar 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 Mr G to accept or reject my decision before 14 April 2026.
View source decisionDRN-594849717 Mar 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 Mr C to accept or reject my decision before 14 April 2026.
View source decisionDRN-598942617 Mar 2026Not upheld
American Express Services Europe Limited · Banking and Payments
My final decision is that I don’t uphold Mr S’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 14 April 2026.
View source decisionDRN-601740417 Mar 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 Mr E to accept or reject my decision before 14 April 2026.
View source decisionDRN-604583517 Mar 2026Not upheld
Santander UK Plc · Banking and Payments
For the reasons I’ve explained, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss S to accept or reject my decision before 14 April 2026.
View source decision