UK financial-services disputes
Financial Ombudsman Service decisions
3,629+ verbatim final decisions reproduced from the FOS published register. See what the Ombudsman has said about cases like yours, who won, and what redress was awarded.
Featured topics
The complaint types most worth understanding right now
Authorised Push Payment (APP) Scam
283 decisions · 50% upheld
Section 75 Consumer Credit Act Claim
282 decisions · 31% upheld
Unaffordable Lending
50 decisions · 44% upheld
British Steel Pension Transfer
18 decisions · 89% upheld
Mortgage Broker Commission
40 decisions · 15% upheld
Packaged Bank Account
20 decisions · 15% upheld
Irresponsible Lending
173 decisions · 60% upheld
Largest redress awards
Where FOS upheld and made a substantial direction
Revolut Ltd
£415,000Unauthorised TransactionDRN-5488492
Zurich Insurance PLC
£384,540Insurance Claim HandlingDRN-4897210
IFX (UK) Ltd
£290,093Authorised Push Payment (APP) ScamDRN-6219094
Santander UK Plc
£252,000FraudDRN-6226387
Metro Bank PLC
£188,000FraudDRN-6263241
Starling Bank Limited
£150,000FraudDRN-6200744
Most recently published
Fresh from the FOS decisions register
Shawbrook Bank Limited
Section 75 Consumer Credit Act ClaimDRN-6249296
Tesco Underwriting Limited
Insurance Void MisrepDRN-6125418
Decision DRN-6256701
Insurance Void Misrep
Decision DRN-6053087
Insurance Void Misrep
TSB Bank plc
Continuous Payment AuthorityDRN-6131686
Bank of Scotland plc
£250Mortgage AdviceDRN-6294450
Browse all categories
94 complaint types
Consumer credit & lending
Section 75 Consumer Credit Act Claim
282 decisions · 31% upheld
Irresponsible Lending
173 decisions · 60% upheld
Hire Purchase Finance
98 decisions · 72% upheld
Credit Card
94 decisions · 53% upheld
Consumer Credit General
82 decisions · 48% upheld
Overdraft
57 decisions · 26% upheld
Motor Finance
51 decisions · 55% upheld
Unaffordable Lending
50 decisions · 44% upheld
Debt Collection
46 decisions · 43% upheld
Catalogue Credit
40 decisions · 40% upheld
Payday Loan
31 decisions · 23% upheld
Guarantor Loan
17 decisions · 41% upheld
PCP (Personal Contract Purchase) Finance
6 decisions · 50% upheld
Home Credit (Doorstep Lending)
3 decisions · 67% upheld
Banking & payments
Authorised Push Payment (APP) Scam
283 decisions · 50% upheld
Unauthorised Transaction
114 decisions · 44% upheld
Current Account
75 decisions · 55% upheld
Banking Services General
66 decisions · 62% upheld
Fraud
50 decisions · 56% upheld
Frozen Account / Account Closure
47 decisions · 36% upheld
Savings Account
41 decisions · 51% upheld
CIFAS Marker
21 decisions · 33% upheld
Packaged Bank Account
20 decisions · 15% upheld
Identity Theft
2 decisions · 100% upheld
Mortgages & property
Residential Mortgage
61 decisions · 59% upheld
Mortgage Arrears
41 decisions · 41% upheld
Mortgage Broker Commission
40 decisions · 15% upheld
Buy-to-Let Mortgage
27 decisions · 44% upheld
Mortgage Advice
17 decisions · 65% upheld
Equity Release
13 decisions · 31% upheld
Mortgage Shortfall
11 decisions · 9% upheld
Pensions & investments
Investment Advice
85 decisions · 59% upheld
Pension Administration
83 decisions · 57% upheld
Pension Transfer
61 decisions · 70% upheld
Pension Advice
56 decisions · 55% upheld
Investment Administration
54 decisions · 54% upheld
Pension Transfer to SIPP
53 decisions · 55% upheld
ISA
22 decisions · 41% upheld
British Steel Pension Transfer
18 decisions · 89% upheld
Investment Bond
17 decisions · 24% upheld
Stocks & Shares ISA
17 decisions · 53% upheld
Investment Platform
10 decisions · 0% upheld
Pension Drawdown
9 decisions · 67% upheld
Investment Trust
5 decisions · 0% upheld
Self-Invested Personal Pension (SIPP)
5 decisions · 40% upheld
Insurance
Insurance Claim Handling
115 decisions · 63% upheld
Home Insurance
114 decisions · 57% upheld
Travel Insurance
97 decisions · 52% upheld
Motor Insurance
97 decisions · 64% upheld
Pet Insurance
66 decisions · 50% upheld
Car Insurance
54 decisions · 43% upheld
Gadget Insurance
52 decisions · 56% upheld
Life Insurance
47 decisions · 55% upheld
Health Insurance
40 decisions · 43% upheld
Critical Illness Cover
32 decisions · 25% upheld
Income Protection
32 decisions · 44% upheld
Contents Insurance
30 decisions · 40% upheld
Buildings Insurance
28 decisions · 75% upheld
Legal Expenses Insurance
22 decisions · 41% upheld
Insurance Pricing & Renewal
18 decisions · 17% upheld
Professional Indemnity
14 decisions · 43% upheld
Medical Health Insurance
4 decisions · 25% upheld
Ate Insurance
3 decisions · 0% upheld
Landlord Insurance
2 decisions · 50% upheld
Other complaint types
Card Fraud
25 decisions · 32% upheld
Account Closure
23 decisions · 39% upheld
Open Banking
17 decisions · 24% upheld
Running Account Credit
15 decisions · 7% upheld
Breakdown Cover
15 decisions · 7% upheld
Atm Dispute
13 decisions · 38% upheld
Debt Management
12 decisions · 8% upheld
Buy Now Pay Later
12 decisions · 50% upheld
Extended Warranty
11 decisions · 9% upheld
Fx Remittance
11 decisions · 55% upheld
Other Financial Services
10 decisions · 70% upheld
Early Repayment Charge
10 decisions · 30% upheld
Credit Broking
10 decisions · 10% upheld
Data Breach
10 decisions · 50% upheld
Iva
9 decisions · 0% upheld
Personal Loan
8 decisions · 25% upheld
Insurance Void Misrep
8 decisions · 50% upheld
Crypto
8 decisions · 13% upheld
Will Writing Probate
7 decisions · 71% upheld
Repossession Conduct
6 decisions · 33% upheld
Discretionary Management
5 decisions · 0% upheld
Endowment
4 decisions · 50% upheld
Crowdfunding P2p
3 decisions · 67% upheld
Power Of Attorney
3 decisions · 33% upheld
Second Charge Mortgage
3 decisions · 0% upheld
Bounce Back Loan
3 decisions · 33% upheld
Mortgage Administration
2 decisions · 100% upheld
Structured Product
2 decisions · 0% upheld
Continuous Payment Authority
2 decisions · 50% upheld
Impaired Credit Mortgage
2 decisions · 0% upheld