Published decisions
1,628
Decision volume in this year-product slice
Year + product analysis
Mortgages complaints in 2022
A curated public analysis of Mortgages in 2022, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
1,628 published FOS decisions in Mortgages during 2022, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,628
Decision volume in this year-product slice
Upheld rate
30.6%
499 upheld decisions
Latest published decision 30 Dec 2022
Upheld rate
30.6%
499 upheld decisions
Leading firm
Barclays Bank UK PLC
265 decisions
Leading complaint theme
Delay In Claim Handling
137 tagged decisions
Mortgages in 2022
1,628 published decisions in the corpus sit in Mortgages for 2022. 30.6% 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 265 published decisions.
- 2022: 1,628 decisions, 30.6% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Mcob
Firm concentration and issue profile
Barclays Bank UK PLC, Bank of Scotland Plc, Santander UK Plc, and others are the firms most often associated with Mortgages complaints in 2022. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.
- Barclays Bank UK PLC: 265 decisions, 44.5% upheld
- Bank of Scotland Plc: 215 decisions, 27.0% upheld
- Santander UK Plc: 157 decisions, 24.8% upheld
- Nationwide Building Society: 91 decisions, 18.7% upheld
- National Westminster Bank Plc: 87 decisions, 27.6% upheld
Handling implications and precedent context
The advisory layer for Mortgages points to recurring handling implications here, including review disp precedent (appears in 0.1% of cases), review consumer credit act 1974 precedent (appears in 0.1% of cases), review fsma precedent (appears in 0.1% 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
DRN-387086130 Dec 2022Not upheld
Nationwide Building Society · Mortgages
DRN-3870861 The complaint Mr S complains that Nationwide Building Society has recorded incorrect information about his mortgage. What happened Mr S has an interest only mortgage taken out through the Mortgage Works. The Mortgage Works is owned by Nationwide and Mr S believes the balance of... (2 pages)
View source decisionDRN-385211929 Dec 2022Upheld
Nationwide Building Society · Mortgages
DRN-3852119 The complaint Miss S complains that Nationwide Building Society was late releasing the funds for her mortgage on the day of completion, so she wasn’t able to complete her purchase that day. What happened Miss S said Nationwide sent her a text and email the day before her house ... (3 pages)
View source decisionDRN-373663422 Dec 2022Not upheld
Pure Retirement Limited · Mortgages
DRN-3736634 The complaint Mr and Mrs C complain about the property valuation that was carried out after they applied for a lifetime mortgage with Pure Retirement Limited (“Pure Retirement”). What happened Mr and Mrs C applied for a lifetime mortgage with Pure Retirement in 2021. Their appl... (3 pages)
View source decisionDRN-381078922 Dec 2022Not upheld
Bank of Scotland Plc · Mortgages
DRN-3810789 The complaint Mr A and Mr I complain that Bank of Scotland plc trading as Birmingham Midshires (BM) unfairly reported late payments to the credit reference agencies in relation to their mortgages. What happened Mr A and Mr I held two mortgages with BM. In or around June 2022 th... (3 pages)
View source decisionDRN-381820922 Dec 2022Not upheld
Paratus AMC Limited · Mortgages
DRN-3818209 The complaint Ms Z is unhappy Paratus AMC Limited, trading as Foundation Home Loans (“Foundation Home Loans”) declined her application for a buy-to-let mortgage. What happened Ms Z approached Foundation Home Loans to arrange a buy-to-let mortgage for a studio flat she wished to... (3 pages)
View source decision