Published decisions
9,290
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2013
A curated public analysis of Banking and credit in 2013, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
9,290 published FOS decisions in Banking and credit during 2013, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
9,290
Decision volume in this year-product slice
Upheld rate
19.4%
1,804 upheld decisions
Latest published decision 06 Dec 2013
Upheld rate
19.4%
1,804 upheld decisions
Leading firm
Barclays Bank Plc
1,185 decisions
Leading complaint theme
Delay In Claim Handling
1,592 tagged decisions
Banking and credit in 2013
9,290 published decisions in the corpus sit in Banking and credit for 2013. 19.4% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Barclays Bank Plc is the most visible firm inside this year-product slice, with 1,185 published decisions.
- 2013: 9,290 decisions, 19.4% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
Barclays Bank Plc, Bank of Scotland Plc, Santander UK Plc, and others are the firms most often associated with Banking and credit complaints in 2013. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.
- Barclays Bank Plc: 1,185 decisions, 17.6% upheld
- Bank of Scotland Plc: 970 decisions, 12.6% upheld
- Santander UK Plc: 957 decisions, 16.2% upheld
- National Westminster Bank Plc: 791 decisions, 12.4% upheld
- HSBC Bank plc: 572 decisions, 12.8% upheld
Handling implications and precedent context
The advisory layer for Banking and credit points to recurring handling implications here, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN195701106 Dec 2013Not upheld
Bank of Scotland Plc · Banking and credit
Mrs B complains that Bank of Scotland plc (trading as Halifax) unfairly defaulted her loan account and applied a default to her credit file.backgroundMrs B was paying less than her contractual loan repayments under a repayment plan agreed with Halifax. Halifax sent her a default notice ... (2 pages)
View source decisionDRN002479405 Dec 2013Upheld
BMW Financial Services (GB) Limited · Banking and credit
Mrs R complains that the brand new car she purchased under a hire purchase agreement provided by BMW Financial Services (GB) Limited (BMW Financial Services), was not of satisfactory quality, and therefore BMW Financial Services should treat her as having rejected it. Mrs R is assisted ... (3 pages)
View source decisionDRN032268705 Dec 2013Not upheld
Barclays Bank Plc · Banking and credit
Mr D complains that the exchange rate Barclays Bank PLC used in April 2013 when converting his euros into sterling was unfair.our initial conclusionsMr D receives a euro credit into his account each month which is then converted into sterling. He said that the rate used by Barclay... (2 pages)
View source decisionDRN037341605 Dec 2013Upheld
Barclays Bank Plc · Banking and credit
Miss D complains that Barclays Bank PLC refinanced her loan in 2009. Miss D is represented by Mr E.backgroundMiss D took out a loan for around £2,000 in 2006, payable over 60 months at approximately £50 per month. In the year before her loan was refinanced she was unable to meet her ... (2 pages)
View source decisionDRN040240105 Dec 2013Not upheld
Lloyds Bank PLC · Banking and credit
D, a limited company – which I shall call simply ‘the company’ – has complained about charges which Lloyds Bank Plc (formerly Lloyds TSB Bank Plc) applied to its account. It has also complained about how the bank investigated its complaint about the charges. background Our adjudicat... (2 pages)
View source decision