Published decisions
896
Decision volume in this year-product slice
Year + product analysis
Banking and credit complaints in 2021
A curated public analysis of Banking and credit in 2021, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
896 published FOS decisions in Banking and credit during 2021, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
896
Decision volume in this year-product slice
Upheld rate
45.8%
410 upheld decisions
Latest published decision 28 Sept 2021
Upheld rate
45.8%
410 upheld decisions
Leading firm
HSBC UK Bank Plc
76 decisions
Leading complaint theme
Fraud Or Scam Concern
202 tagged decisions
Banking and credit in 2021
896 published decisions in the corpus sit in Banking and credit for 2021. 45.8% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
HSBC UK Bank Plc is the most visible firm inside this year-product slice, with 76 published decisions.
- 2021: 896 decisions, 45.8% upheld
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
HSBC UK Bank Plc, Lloyds Bank PLC, Bank of Scotland Plc, and others are the firms most often associated with Banking and credit complaints in 2021. This gives a much tighter public view than the standalone year or product pages alone.
fraud or scam concern, delay in claim handling, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.
- HSBC UK Bank Plc: 76 decisions, 63.2% upheld
- Lloyds Bank PLC: 68 decisions, 41.2% upheld
- Bank of Scotland Plc: 66 decisions, 31.8% upheld
- Barclays Bank UK PLC: 53 decisions, 28.3% upheld
- BMW Financial Services (GB) Limited: 34 decisions, 20.6% 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: Fraud Or Scam Concern
Representative cases
Recent published decisions in this slice
5 examples shown
DRN434349428 Sept 2021Not upheld
MoneyGram International Limited · Banking and credit
Ms L complains that MoneyGram International Limited (MoneyGram) released a money transfer intended for her, to an unknown third party. background Ms L’s mother sent £700 to her through MoneyGram. When Ms L went to collect the transfer, she was told the funds had already been taken. Ms L co... (2 pages)
View source decisionDRN361614612 Sept 2021Upheld
Bank of Scotland Plc · Banking and credit
Complaint Mr W has complained that Bank of Scotland plc (trading as “Halifax”) unfairly added interest, fees and charges to his overdraft charged when it introduced a new overdraft charging structure in November 2017. He’s also unhappy that his account was closed and that this caused him t... (3 pages)
View source decisionDRN077532710 Sept 2021Upheld
Lloyds Bank PLC · Banking and credit
Complaint Mr M has complained that Lloyds Bank PLC (“Lloyds”) irresponsibly provided him with an unaffordable credit card and unaffordable loans. Background Mr M also has a complaint about an overdraft he jointly took out with his wife. And Mr M’s wife has her own complaint about loans in ... (8 pages)
View source decisionDRN116708510 Sept 2021Not upheld
Madison CF UK Limited · Banking and credit
Complaint Mr R is unhappy that Madison CF UK Limited (trading as “118 118 Money”) have held him liable for a loan he says was taken out fraudulently. Background In May 2018, a loan application was made with Madison. It was approved and the proceeds of £3,500 were paid into a bank account c... (2 pages)
View source decisionDRN117801610 Sept 2021Upheld
Shawbrook Bank Limited · Banking and credit
Mrs W complains that Shawbrook Bank Limited (“Shawbrook”), has rejected the claim she made under section 75 of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system she says was misrepresented to her by the supplier. Mrs W is represented by a claims management compan... (7 pages)
View source decision