Published decisions
14,007
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2015
A curated public analysis of Banking and credit in 2015, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
14,007 published FOS decisions in Banking and credit during 2015, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
14,007
Decision volume in this year-product slice
Upheld rate
25.4%
3,558 upheld decisions
Latest published decision 23 Dec 2015
Upheld rate
25.4%
3,558 upheld decisions
Leading firm
Barclays Bank Plc
1,438 decisions
Leading complaint theme
Delay In Claim Handling
2,234 tagged decisions
Banking and credit in 2015
14,007 published decisions in the corpus sit in Banking and credit for 2015. 25.4% 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 1,438 published decisions.
- 2015: 14,007 decisions, 25.4% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
Barclays Bank Plc, National Westminster Bank Plc, Lloyds Bank PLC, and others are the firms most often associated with Banking and credit complaints in 2015. 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: 1,438 decisions, 27.7% upheld
- National Westminster Bank Plc: 1,179 decisions, 11.3% upheld
- Lloyds Bank PLC: 1,174 decisions, 12.0% upheld
- Bank of Scotland Plc: 1,107 decisions, 12.7% upheld
- Santander UK Plc: 927 decisions, 25.2% 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
DRN031167023 Dec 2015Not upheld
Bank of Scotland Plc · Banking and credit
Ms H complains about how Bank of Scotland plc (trading as Halifax) dealt with her overdraft debt.backgroundMs H had an overdraft but started to have financial difficulties in 2014 due to ill health. She says she contacted the bank to say she was unable to work. She di... (2 pages)
View source decisionDRN053481723 Dec 2015Not upheld
Bank of Scotland Plc · Banking and credit
Mrs M complains that Bank of Scotland plc (trading as Halifax) mis-sold her a packaged bank account. backgroundMrs M opened a free account with Halifax in April 2002. This then changed to an Ultimate Reward Current Account (“URCA”) in November 2009.Mrs M says she was t... (3 pages)
View source decisionDRN084263723 Dec 2015Not upheld
Virgin Money plc · Banking and credit
Mr G complains that Virgin Money plc places direct marketing information on his online account.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. This was because the information was not direct marketing. As such, it was not in... (2 pages)
View source decisionDRN119189123 Dec 2015Not upheld
Bank of Scotland Plc · Banking and credit
Ms W has complained that Bank of Scotland plc (trading as Halifax) mis-sold an Ultimate Reward Current Account (URCA) to her in 2011. She paid a monthly fee for the account which offered several benefits in return.backgroundOne of our adjudicators looked into Ms W’s ... (2 pages)
View source decisionDRN129027723 Dec 2015Not upheld
Barclays Bank Plc · Banking and credit
Mr R complains that Barclays Bank PLC told him it was going to close all his current and savings accounts, without explaining why or giving alternatives.backgroundBarclays gave Mr R two months notice that it was going to close several accounts he had. When he rang ... (2 pages)
View source decision