Published decisions
4,863
2026 decision volume in the public corpus
Year analysis
2026 complaint and ombudsman analysis
Detailed public analysis of the 2026 published Financial Ombudsman decision set, including complaint volume, outcome mix, product concentration, firm exposure, and recurring complaint themes.
Upheld rate
23.0%
1,118 upheld decisions
Page summary
4,863 published FOS decisions in 2026, including upheld-rate context, top firms, top products, recurring complaint themes, and representative cases.
Published decisions
4,863
2026 decision volume in the public corpus
Upheld rate
23.0%
1,118 upheld decisions
Latest published decision 07 Jul 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
4,863
2026 decision volume in the public corpus
Upheld rate
23.0%
1,118 upheld decisions
Leading product
Banking and Payments
41.4% of annual decisions
Leading firm
Barclays Bank UK PLC
239 published decisions
What stood out in 2026
Analysis4,863 published ombudsman decisions landed in 2026. 23.0% of those decisions were upheld, while 77.0% were not upheld. That makes 2026 a meaningful benchmark year for understanding where complaint pressure and adjudication risk sat across the corpus.
Banking and Payments was the heaviest product area, accounting for 2,015 decisions. Barclays Bank UK PLC appeared most often at firm level. The most frequently tagged complaint theme was delay in claim handling.
- Banking and Payments: 2,015 decisions
- Barclays Bank UK PLC: 239 decisions
- Delay In Claim Handling: 1,541 tagged decisions
- 2026 versus 2025: down 84.7% year on year
Product mix and concentration
AnalysisThe year was led by Banking and Payments, Consumer Credit, Insurance, and others, which together represented the centre of complaint activity in the published decisions for 2026.
Banking and Payments alone contributed 41.4% of all decisions published in 2026, which makes it the clearest lens for understanding how complaint pressure expressed itself that year.
- Banking and Payments: 2,015 decisions, 19.1% upheld
- Consumer Credit: 1,364 decisions, 18.6% upheld
- Insurance: 1,056 decisions, 30.7% upheld
- Investments: 159 decisions, 27.0% upheld
- Pensions and Annuities: 133 decisions, 46.6% upheld
Firm and complaint-theme signals
AnalysisBarclays Bank UK PLC, HSBC UK Bank Plc, Shawbrook Bank Limited, and others were the most visible firms in the published decisions for 2026. That does not prove complaint prevalence in a consumer-market sense, but it does show which firms were most exposed in the final ombudsman decisions dataset.
Complaint-theme tagging pointed most strongly to delay in claim handling, fraud or scam concern, affordability assessment failure, and others. These themes are the most useful public proxy for “complaint type” in this corpus because the raw decisions are not stored with a dedicated complaint-type field.
- Most frequent precedent signal: Consumer Credit Act 1974
- Second precedent signal: Section 140a Cca
- Primary complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-589913507 Jul 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
For the reasons I’ve explained, my final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr G to accept or reject my decision before 4 August 2026.
View source decisionDRN-592896307 Jul 2026Upheld
Barclays Bank UK PLC · Banking and Payments
For the reasons above, my final decision is that Barclays Bank UK PLC’s offer of £400 is fair. It should pay this to Mr E if it hasn’t already.
View source decisionDRN-598672207 Jul 2026Not upheld
Barclays Bank UK PLC · Banking and Payments
For the reasons stated above I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss C to accept or reject my decision before 4 August 2026.
View source decisionDRN-599591307 Jul 2026Not upheld
Domestic & General Insurance Plc · Insurance
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 4 August 2026.
View source decisionDRN-603105707 Jul 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons set out above, I don’t require HSBC UK Bank Plc to take any further action. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr and Mrs J to accept or reject my decision before 4 August 2026.
View source decision