Tagged decisions
11,279
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.
Page summary
11,279 published decisions tagged non-disclosure or misrepresentation, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
11,279
Published decisions carrying this complaint-theme tag
Upheld rate
20.4%
2,299 upheld decisions
Latest published decision 02 Feb 2026
Upheld rate
20.4%
2,299 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
11,279 published decisions in the corpus carry the complaint-theme tag non-disclosure or misrepresentation. 20.4% 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
Non-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 54 published decisions with an upheld rate of 3.7%.
- 2026: 54 decisions, 3.7% 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
Payment 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-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-580430802 Feb 2026Not upheld
Santander Consumer (UK) Plc · Consumer Credit
My final decision is I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs D to accept or reject my decision before 2 March 2026.
View source decisionDRN-584634202 Feb 2026Not upheld
Nationwide Building Society · Banking and Payments
For the reasons given above, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F to accept or reject my decision before 2 March 2026.
View source decisionDRN-595145902 Feb 2026Not upheld
American Express Services Europe Limited · Banking and Payments
I don’t uphold Mr A’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 2 March 2026.
View source decisionDRN-595146902 Feb 2026Not upheld
NewDay Ltd · Banking and Payments
I don’t uphold Mr A’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 2 March 2026.
View source decision