FOS Intelligence
Financial Ombudsman Service decision analysis and provider comparison · 0 providers scored
Emerging Signals
INTELLIGENCEfuneral planning
Rising
50.0%
upheld rate (latest)
96 decisions14 periods
pensions
Rising
52.3%
upheld rate (latest)
8,441 decisions27 periods
insurance
Stable
35.2%
upheld rate (latest)
54,510 decisions31 periods
claims management
Falling
33.3%
upheld rate (latest)
561 decisions25 periods
investments
Falling
32.2%
upheld rate (latest)
7,532 decisions27 periods
mortgages
Rising
31.0%
upheld rate (latest)
8,506 decisions26 periods
consumer credit
Rising
17.3%
upheld rate (latest)
30,030 decisions27 periods
banking
Stable
20.7%
upheld rate (latest)
63,091 decisions31 periods
ageas insurance limited
Stable
100.0%
upheld rate (latest)
1 decisions1 periods
other
Stable
100.0%
upheld rate (latest)
1 decisions1 periods
ppi
Rising
22.2%
upheld rate (latest)
599 decisions2 periods
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7540
Total Decisions
34.2%
Upheld Rate
65.8%
Not Upheld Rate
30
Providers Covered
Provider Comparison
LIVELoading FOS scores...
Outcome Distribution
Upheld
2582Not Upheld
4958Other
0Scorer Model Weights
v3 LIVEFOS Model
upheld rate55%
v3 FOS: FOS upheld rate — dominant signal
regulatory20%
v3 FOS: FCA/Supreme Court regulatory environment
email sentiment15%
v3 FOS: Email sentiment (cooperative provider)
client engagement10%
v3 FOS: Client engagement level
Litigation Model
historical outcomes30%
v3 LIT: Historical case outcomes — dominant signal
email sentiment15%
v3 LIT: Email sentiment (settlement willingness)
case complexity12%
v3 LIT: Case complexity (legal basis + hearings)
document sentiment12%
v3 LIT: Document sentiment (legal document tone)
provider behaviour10%
v3 LIT: Provider behaviour (stonewalling, delays)
regulatory10%
v3 LIT: FCA/Supreme Court precedent
fos signal6%
v3 LIT: FOS as WEAK supporting signal (5-8%)
response time5%
v3 LIT: Response time patterns
Claim Type Builder
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Category Breakdown
Provider FOS Metrics
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