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.

Page summary

1,686 published decisions involving Shawbrook Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,686

Firm-specific decision volume in the public corpus

Upheld rate

25.9%

437 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

1,686

Firm-specific decision volume in the public corpus

Upheld rate

25.9%

437 upheld decisions

Leading product

Consumer Credit

1,334 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

545 tagged decisions

Shawbrook Bank Limited at a glance

Shawbrook Bank Limited appears in 1,686 published decisions in this corpus. 25.9% 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 1,334 decisions and an upheld rate of 23.2%.

  • Latest active year in the published data: 2026 (20 decisions)
  • Most common complaint theme: Non-disclosure Or Misrepresentation
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Shawbrook 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 20 published decisions with an upheld rate of 0.0%.

  • 2026: 20 decisions, 0.0% 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

Non-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: 1,334 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-603409902 Feb 2026Not upheld

Shawbrook Bank Limited · Banking and Payments

My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask S to accept or reject my decision before 2 March 2026.

View source decision
DRN-605190702 Feb 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 L to accept or reject my decision before 2 March 2026.

View source decision
DRN-607503102 Feb 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 Mrs S and Mr S to accept or reject my decision before 2 March 2026.

View source decision
DRN-607986002 Feb 2026Not upheld

Shawbrook Bank Limited · Consumer Credit

For the reasons given, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss D and Mr P to accept or reject my decision before 26 February 2026.

View source decision
DRN-608899202 Feb 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 B to accept or reject my decision before 2 March 2026.

View source decision