Published decisions
10,098
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2018
A curated public analysis of Banking and credit in 2018, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
10,098 published FOS decisions in Banking and credit during 2018, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
10,098
Decision volume in this year-product slice
Upheld rate
29.8%
3,009 upheld decisions
Latest published decision 31 Dec 2018
Upheld rate
29.8%
3,009 upheld decisions
Leading firm
Barclays Bank Plc
720 decisions
Leading complaint theme
Delay In Claim Handling
1,838 tagged decisions
Banking and credit in 2018
10,098 published decisions in the corpus sit in Banking and credit for 2018. 29.8% 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 720 published decisions.
- 2018: 10,098 decisions, 29.8% 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 2018. 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: 720 decisions, 17.2% upheld
- Bank of Scotland Plc: 636 decisions, 9.3% upheld
- National Westminster Bank Plc: 561 decisions, 18.7% upheld
- HSBC Bank plc: 557 decisions, 17.9% upheld
- Santander UK Plc: 533 decisions, 18.6% 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
DRN004907431 Dec 2018Upheld
Nationwide Building Society · Banking and credit
Mrs L complains that Nationwide Building Society blocked her account for more than a year and didn’t allow her access to the money in the account. She says Nationwide took too long to return her money, didn’t keep her updated and didn’t let her know what information ... (4 pages)
View source decisionDRN034564031 Dec 2018Not upheld
NewDay Ltd · Banking and credit
Mr T complained that NewDay Ltd, trading as Aquacard, shouldn’t have increased his credit limit. He said he was using it for gambling, and thinks Aquacard should have noticed and done something about it.Mr T wants Aquacard to refund all interest and late fees, and r... (4 pages)
View source decisionDRN053132031 Dec 2018Not upheld
Virgin Money plc · Banking and credit
Mr M had a maturing fixed rate ISA with Virgin Money plc. He complained because by the time his ISA actually matured, there was a better interest rate available on the website than he’d been offered on his maturity letter. Virgin hadn’t told him the rate had improved... (3 pages)
View source decisionDRN098166231 Dec 2018Upheld
PDL Finance Limited · Banking and credit
Miss R complains PDL Finance Limited (trading at the time of sale as “Mr Lender”) lent her money she couldn’t afford to repay.backgroundMiss R took out 8 loans with Mr Lender. The first loan was taken out in 2010 and both parties have agreed that this loan (loan 1)... (3 pages)
View source decisionDRN111459431 Dec 2018Not upheld
Capquest Debt Recovery Limited · Banking and credit
Mr A complains that Capquest Debt Recovery Limited has not written off his student loan even though he has provided the required evidence for this to happen. He also complains that he was only given two days to make a payment to prevent a default and that the service ... (3 pages)
View source decision