Published decisions
1,865
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%
450 upheld decisions
Page summary
1,865 published decisions involving Shawbrook Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,865
Firm-specific decision volume in the public corpus
Upheld rate
24.1%
450 upheld decisions
Latest published decision 24 Jul 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
1,865
Firm-specific decision volume in the public corpus
Upheld rate
24.1%
450 upheld decisions
Leading product
Consumer Credit
1,506 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
703 tagged decisions
Shawbrook Bank Limited at a glance
AnalysisShawbrook Bank Limited appears in 1,865 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 1,506 decisions and an upheld rate of 21.2%.
- Latest active year in the published data: 2026 (199 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 199 published decisions with an upheld rate of 6.5%.
- 2026: 199 decisions, 6.5% 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: 1,506 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-650959324 Jul 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons I’ve given above and in my provisional decision, my final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A and Mrs N to accept or reject my decision before 21 August 2026.
View source decisionDRN-647648906 Jul 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons explained above, and in the appended provisional decision, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs M to accept or reject my decision before 3 August 2026.
View source decisionDRN-638636003 Jul 2026Upheld
Shawbrook Bank Limited · Banking and Payments
Shawbrook Bank Limited must calculate the difference between the interest Mr B and Dr B earned on their savings here and what they would have earned if the funds were placed in a 5% easy access account from the day after their Fixed Rate Bond matured on 7 September 2024 until 15 January 2025, when they transferred the money from the maturity account. This overall amount payable should then be rounded up to the ne...
View source decisionDRN-640304403 Jul 2026Not upheld
Shawbrook Bank Limited · Banking and Payments
I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 31 July 2026.
View source decisionDRN-647041602 Jul 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
I do not uphold the estate of Mrs J’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mrs J to accept or reject my decision before 30 July 2026.
View source decision