Published decisions
1,852
Firm-specific decision volume in the public corpus
Firm analysis
Shawbrook Bank Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Shawbrook Bank Limited, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
24.1%
447 upheld decisions
Page summary
1,852 published decisions involving Shawbrook Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,852
Firm-specific decision volume in the public corpus
Upheld rate
24.1%
447 upheld decisions
Latest published decision 21 Apr 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
1,852
Firm-specific decision volume in the public corpus
Upheld rate
24.1%
447 upheld decisions
Leading product
Consumer Credit
1,496 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
693 tagged decisions
Shawbrook Bank Limited at a glance
AnalysisShawbrook Bank Limited appears in 1,852 published decisions in this corpus. 24.1% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 1,496 decisions and an upheld rate of 21.3%.
- Latest active year in the published data: 2026 (186 decisions)
- Most common complaint theme: Non-disclosure Or Misrepresentation
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisShawbrook Bank Limited's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Shawbrook Bank Limited appeared in 186 published decisions with an upheld rate of 5.4%.
- 2026: 186 decisions, 5.4% upheld
- 2025: 337 decisions, 29.4% upheld
- 2024: 143 decisions, 26.6% upheld
- 2023: 168 decisions, 30.9% upheld
- 2022: 655 decisions, 15.6% upheld
Themes, products, and precedent signals
AnalysisNon-disclosure Or Misrepresentation is the strongest complaint-theme signal tied to Shawbrook Bank Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 75 Cca, Section 140a Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Consumer Credit: 1,496 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-480026321 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C and Mr S to accept or reject my decision before 19 May 2026.
View source decisionDRN-604067121 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons given, I don’t think it was unfair for Shawbrook Bank Limited to decline Mr and Mrs I’s claims under section 75 of the CCA. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs A and Mr I to accept or reject my decision before 19 May 2026.
View source decisionDRN-630553021 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons summarised above, and explained in the appended provisional decision, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D and Mrs D to accept or reject my decision before 19 May 2026.
View source decisionDRN-614217520 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons set out above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr and Mrs B to accept or reject my decision before 18 May 2026.
View source decisionDRN-627491020 Apr 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons explained above, I do not uphold Mr and Mrs B’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B and Mrs B to accept or reject my decision before 18 May 2026.
View source decision