Published decisions
8,600
Decision volume in this year-product slice
Year + product analysis
Banking and Payments complaints in 2022
A curated public analysis of Banking and Payments in 2022, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
8,600 published FOS decisions in Banking and Payments during 2022, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
8,600
Decision volume in this year-product slice
Upheld rate
30.8%
2,647 upheld decisions
Latest published decision 31 Dec 2022
Upheld rate
30.8%
2,647 upheld decisions
Leading firm
Barclays Bank UK PLC
1,096 decisions
Leading complaint theme
Fraud Or Scam Concern
1,611 tagged decisions
Banking and Payments in 2022
8,600 published decisions in the corpus sit in Banking and Payments for 2022. 30.8% 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 UK PLC is the most visible firm inside this year-product slice, with 1,096 published decisions.
- 2022: 8,600 decisions, 30.8% upheld
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
Barclays Bank UK PLC, HSBC UK Bank Plc, Lloyds Bank PLC, and others are the firms most often associated with Banking and Payments complaints in 2022. 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.
- Barclays Bank UK PLC: 1,096 decisions, 24.8% upheld
- HSBC UK Bank Plc: 910 decisions, 38.4% upheld
- Lloyds Bank PLC: 756 decisions, 22.9% upheld
- Santander UK Plc: 581 decisions, 24.4% upheld
- Bank of Scotland Plc: 574 decisions, 23.0% upheld
Handling implications and precedent context
The advisory layer for Banking and Payments points to recurring handling implications here, including review consumer credit act 1974 precedent (appears in 2.6% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% 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
DRN-387726531 Dec 2022Upheld
National Westminster Bank Plc · Banking and Payments
DRN-3877265 The complaint Mr S complains National Westminster Bank Plc (NatWest) unfairly prevented him making a payment to purchase premium savings bonds, without offering him any alternative options. What happened Mr S says he attempted to make an online payment for £50,000 to purchase p... (3 pages)
View source decisionDRN-360680630 Dec 2022Upheld
PrePay Technologies Limited · Banking and Payments
DRN-3606806 The complaint Mr H is unhappy that PrePay Technologies Limited (trading as Monese) won’t refund transactions that happened as part of an investment scam. What happened Mr H made several payments to who he thought was a legitimate investment broker. He’s said he later tried to ... (3 pages)
View source decisionDRN-361630830 Dec 2022Upheld
New Wave Capital Limited · Banking and Payments
DRN-3616308 The complaint Mr C, the sole director for L, a limited company, complains that New Wave Capital Limited (“Capital”) won’t refund a transaction it didn’t make. What happened Mr C received a call from someone pretending to be from Capital’s fraud team. He recalled they told him t... (3 pages)
View source decisionDRN-373344930 Dec 2022Not upheld
Remitly U.K., Ltd. · Banking and Payments
DRN-3733449 The complaint Mr G complains that Remitly U.K.,Ltd blocked and closed his account. He would like his account reopened. What happened Mr G had an account with Remitly. Remitly carried out a review of Mr G’s account. And asked him for information. They blocked the account during ... (2 pages)
View source decisionDRN-378246530 Dec 2022Upheld
HSBC UK Bank Plc · Banking and Payments
DRN-3782465 The complaint Mr B complains that HSBC UK Bank Plc restricted and closed a basic bank account. What happened Mr B had a basic bank account with HSBC. In October 2021, he received a payment of £500 into the account. But HSBC says it received a scam allegation against this credit... (4 pages)
View source decision