Analysis of published Financial Ombudsman decisions.
Veste's analysis of 25,682 published Financial Ombudsman decisions on home insurance claims finds the uphold rate fell 4.7 percentage points between two 90-day windows, alongside a 15.5% drop in decision volume. The monthly series suggests this sits within a longer downward drift rather than a sudden shift.
By Theo Marchetti
Veste's analysis of 1,419 published Financial Ombudsman decisions against Moneybarn No.1 Limited finds the uphold rate dropped 7.9 percentage points between the prior and current 90-day windows, even as the number of decisions published rose sharply. The scale of the increase, and what it might and might not mean, is examined below.
By Theo Marchetti
Veste's analysis of 24,036 published Financial Ombudsman motor insurance decisions finds the uphold rate fell from 33.3% to 26.9% between the prior and latest 90-day windows, alongside a fall in decision volume. The monthly series and firm-level data suggest a longer decline, but the size of the recent drop needs careful reading.
By Nadia Okonjo-Blake
Veste examined 226 published Financial Ombudsman decisions naming CA Auto Finance UK Ltd. The uphold rate fell from 61.7% to 39.1% between the prior and current 90-day windows, alongside a drop in decision volume, but the longer monthly series shows the firm's uphold rate has swung sharply before.
By Callum Ashworth
Veste's analysis of published Financial Ombudsman decisions against HSBC UK Bank Plc finds the uphold rate fell 5.9 percentage points quarter-on-quarter, alongside a 21% drop in decision volume. The longer run of monthly data suggests the movement sits within a broader multi-year decline rather than marking a sudden change.
By Priya Ramanathan
Veste's analysis of published Financial Ombudsman decisions on personal loans finds the uphold rate climbed from 9.1% to 12.8% between two 90-day windows, even as the number of decisions fell by nearly a third. The longer series suggests the rise sits within a multi-year downward trend, not a reversal of it.
By Marcus Feldwick
Veste's analysis of Financial Ombudsman decisions against National Westminster Bank Public Limited Company finds the uphold rate rose from 10.2% to 14.8% between two 90-day windows, even as the number of published decisions fell by nearly half. The figures sit within a noisy 16-month trend and below the wider Ombudsman baseline.
By Rosalind Vaughan-Pryce
Veste's analysis of Financial Ombudsman decisions on Section 75 goods and services claims finds a modest uptick in the uphold rate over the latest 90-day window, set against a much longer decline in both volumes and outcomes favouring consumers since mid-2025.
By Rosalind Vaughan-Pryce
Veste's analysis of published Financial Ombudsman decisions on pension transfer advice finds the uphold rate fell from 43.4% to 27.8% between two 90-day windows, alongside a drop in decision volume. The longer run of data suggests this is a smaller-sample swing within a downward multi-year trend, not a step change.
By Theo Marchetti
Veste's analysis of published Ombudsman decisions on motor insurance total-loss valuations finds the uphold rate fell from 57.0% to 40.4% across the two most recent 90-day windows, alongside a 31.6% drop in decision volume. The monthly series suggests the fall fits a broader, noisier pattern rather than a sudden shift.
By Nadia Okonjo-Blake
Veste's analysis of 1,114 published Financial Ombudsman decisions involving Mitsubishi HC Capital UK Plc finds a small rise in the uphold rate alongside a steep drop in case volume, against a backdrop of mostly timeshare-financing disputes that the ombudsman has largely rejected.
By Callum Ashworth
Veste's analysis of 27,168 published Financial Ombudsman decisions involving Bank of Scotland Plc finds the uphold rate climbed from 10.5% to 15.6% between two 90-day windows, but decision volume fell 57.3%, and the longer trend and yearly data suggest caution before reading too much into the shift.
By Theo Marchetti