Published decisions
10,429
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2019
A curated public analysis of Banking and credit in 2019, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
10,429 published FOS decisions in Banking and credit during 2019, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
10,429
Decision volume in this year-product slice
Upheld rate
35.3%
3,677 upheld decisions
Latest published decision 31 Dec 2019
Upheld rate
35.3%
3,677 upheld decisions
Leading firm
Barclays Bank UK PLC
743 decisions
Leading complaint theme
Delay In Claim Handling
1,862 tagged decisions
Banking and credit in 2019
10,429 published decisions in the corpus sit in Banking and credit for 2019. 35.3% 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 UK PLC is the most visible firm inside this year-product slice, with 743 published decisions.
- 2019: 10,429 decisions, 35.3% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Conc
Firm concentration and issue profile
Barclays Bank UK PLC, Bank of Scotland Plc, Casheuronet UK LLC, and others are the firms most often associated with Banking and credit complaints in 2019. 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 UK PLC: 743 decisions, 16.7% upheld
- Bank of Scotland Plc: 601 decisions, 14.8% upheld
- Casheuronet UK LLC: 535 decisions, 92.0% upheld
- Santander UK Plc: 529 decisions, 18.3% upheld
- Lloyds Bank PLC: 526 decisions, 14.4% 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
DRN004830931 Dec 2019Upheld
Harvey & Thompson Limited · Banking and credit
Miss T says Harvey & Thompson Limited (H&T) irresponsibly lent to her.backgroundThis complaint is about an instalment loan H&T provided to Miss T on 16th July 2017. The loan was for £350 and was due to be repaid in 18 monthly instalments of £44.50.Our adjudicator upheld Miss T’... (3 pages)
View source decisionDRN014881631 Dec 2019Not upheld
Tesco Personal Finance PLC · Banking and credit
Ms B complains that Tesco Personal Finance Plc (Tesco) should not have allowed her to open a credit card account with them, and allowing her to do so was irresponsible. She asked for all the interest and charges which had been applied to her account to be refunded, and any late payment, ar... (2 pages)
View source decisionDRN023006431 Dec 2019Not upheld
Provident Personal Credit Limited · Banking and credit
Mr S has complained that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundI issued a provisional decision on 6th December 2019, where I concluded that I was minded to not uphold Mr S’s complaint. I have attached this to the end of my f... (3 pages)
View source decisionDRN046482631 Dec 2019Not upheld
MBNA Limited · Banking and credit
Mrs N complains that MBNA Limited won’t reimburse her for her losses after she used her credit card to transfer money to an investment business that turned out to be a scam. backgroundMrs N opened a trading account with a business which I’ll refer to as “T”. T was a binary options trading... (2 pages)
View source decisionDRN099269931 Dec 2019Not upheld
National Westminster Bank Plc · Banking and credit
Mr W complains that NatWest are holding him liable for an overdraft debt on a bank account he did not have with them.backgroundIn 2018, Mr W received a letter from a debt collection agency seeking to recover about £400 relating to an account with NatWest. The account had gone into an overd... (2 pages)
View source decision