Published decisions
11,186
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2016
A curated public analysis of Banking and credit in 2016, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
11,186 published FOS decisions in Banking and credit during 2016, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
11,186
Decision volume in this year-product slice
Upheld rate
28.9%
3,234 upheld decisions
Latest published decision 30 Dec 2016
Upheld rate
28.9%
3,234 upheld decisions
Leading firm
Barclays Bank Plc
1,117 decisions
Leading complaint theme
Delay In Claim Handling
1,819 tagged decisions
Banking and credit in 2016
11,186 published decisions in the corpus sit in Banking and credit for 2016. 28.9% 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 1,117 published decisions.
- 2016: 11,186 decisions, 28.9% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
Barclays Bank Plc, Lloyds Bank PLC, Bank of Scotland Plc, and others are the firms most often associated with Banking and credit complaints in 2016. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, affordability assessment failure, fraud or scam concern, and others are the strongest complaint-theme signals in this year-product combination.
- Barclays Bank Plc: 1,117 decisions, 17.8% upheld
- Lloyds Bank PLC: 747 decisions, 13.3% upheld
- Bank of Scotland Plc: 737 decisions, 14.1% upheld
- National Westminster Bank Plc: 722 decisions, 17.2% upheld
- Santander UK Plc: 606 decisions, 26.2% 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
DRN024846330 Dec 2016Upheld
Active Securities Limited · Banking and credit
Mrs M complains that Active Securities Limited (trading as 247 Moneybox) gave her payday loans without making proper checks that they were affordable for her. She wants reimbursement of the interest and charges she paid, with interest, and her debt waived. backgroun... (2 pages)
View source decisionDRN084334330 Dec 2016Upheld
WDFC UK Limited · Banking and credit
Mr M complains that WDFC UK Limited, trading as Wonga, gave him loans he couldn’t afford to repay. He asks that Wonga refunds interest and charges and pays compensation for the way it handled the situation when he couldn’t repay the loans.backgroundMr M took out 21 loa... (3 pages)
View source decisionDRN129187430 Dec 2016Not upheld
Santander UK Plc · Banking and credit
Mr L complains that Santander UK plc failed to set up all of his direct debits when he transferred an account to it. backgroundMr L opened an account with Santander in 2010. He says he asked Santander to transfer all of his direct debits to it from his previous ... (2 pages)
View source decisionDRN160153530 Dec 2016Not upheld
MBNA Limited · Banking and credit
Mr Z complains that MBNA Limited will not refund payments he says he did not make with his credit cards.backgroundMr Z disputes over £1,200 of total payments made with his cards between 15 and 25 January 2016. He says he never received the cards and that he was n... (2 pages)
View source decisionDRN341690430 Dec 2016Not upheld
Bank of Ireland (UK) Plc · Banking and credit
Miss S complained that Bank of Ireland (UK) Plc, trading as Post Office Money, provided poor service when she wanted to know the expiry date of her promotional credit card rate. backgroundMiss S had a Post Office credit card which had a promotional rate of 0% for ... (3 pages)
View source decision