Published decisions
10,276
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2014
A curated public analysis of Banking and credit in 2014, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
10,276 published FOS decisions in Banking and credit during 2014, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
10,276
Decision volume in this year-product slice
Upheld rate
20.2%
2,078 upheld decisions
Latest published decision 29 Dec 2014
Upheld rate
20.2%
2,078 upheld decisions
Leading firm
Barclays Bank Plc
1,093 decisions
Leading complaint theme
Delay In Claim Handling
1,847 tagged decisions
Banking and credit in 2014
10,276 published decisions in the corpus sit in Banking and credit for 2014. 20.2% 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 1,093 published decisions.
- 2014: 10,276 decisions, 20.2% 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, National Westminster Bank Plc, and others are the firms most often associated with Banking and credit complaints in 2014. 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: 1,093 decisions, 18.9% upheld
- Bank of Scotland Plc: 908 decisions, 14.3% upheld
- National Westminster Bank Plc: 877 decisions, 13.0% upheld
- Lloyds Bank PLC: 865 decisions, 11.4% upheld
- Santander UK Plc: 779 decisions, 13.1% 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
DRN080162629 Dec 2014Not upheld
National Westminster Bank Plc · Banking and credit
Mr F and Ms G complained about conflicting information given to them by National Westminster Bank Plc during their discussions about switching their mortgage product.backgroundMr F and Ms G’s existing mortgage product with NatWest was due to expire in April 2014, and a few weeks be... (2 pages)
View source decisionDRN099041029 Dec 2014Not upheld
Ulster Bank Ltd · Banking and credit
Mr and Mrs A complain that Ulster Bank Ltd sold them an unsuitable mortgage. backgroundMr and Mrs A took out a mortgage with Ulster Bank in 2007. They say that:they were encouraged to borrow five times their joint annual income, which was more than they could reasonably afford to re... (2 pages)
View source decisionDRN376781829 Dec 2014Not upheld
Santander UK Plc · Banking and credit
Mr and Mrs G complained that Santander UK Plc had delayed responding to their request to transfer their mortgage to a new property. They said this meant they had to go to another lender, resulting in early repayment fees and additional solicitor’s charges. background Mr and Mrs G had... (2 pages)
View source decisionDRN398391529 Dec 2014Not upheld
HSBC Bank plc · Banking and credit
Mr A, on behalf of Miss G, complains that HSBC Bank Plc has not treated her sympathetically when she suffered financial difficulty. In particular, she is unhappy that HSBC would not deal with Mr A on her behalf. She wants HSBC to agree to deal with Mr A, refund all charges applied to... (2 pages)
View source decisionDRN467761429 Dec 2014Not upheld
Barclays Bank Plc · Banking and credit
Mr T complains that Barclays Bank Plc applied the wrong exchange rates to his exchange transactions. He asks for compensation for his financial loss.background Mr T bought a significant amount of Euros in several transactions. He also sold a smaller amount of Euros on the same day. Mr ... (3 pages)
View source decision