Published decisions
1,505
Decision volume in this firm-product slice
Firm + product analysis
Shawbrook Bank Limited in Consumer Credit
A curated public analysis of Shawbrook Bank Limited's published Financial Ombudsman decisions in Consumer Credit, including outcome context, complaint themes, precedent signals, and representative cases.
Upheld rate
21.2%
319 upheld decisions
Page summary
1,505 published FOS decisions involving Shawbrook Bank Limited in Consumer Credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,505
Decision volume in this firm-product slice
Upheld rate
21.2%
319 upheld decisions
Latest published decision 06 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
1,505
Decision volume in this firm-product slice
Upheld rate
21.2%
319 upheld decisions
Latest active year
2026
190 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
611 tagged decisions
Shawbrook Bank Limited in Consumer Credit
AnalysisShawbrook Bank Limited appears in 1,505 published decisions in Consumer Credit across this corpus. 21.2% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.
The latest year represented in this slice is 2026, with 190 published decisions and an upheld rate of 5.3%.
- Leading complaint theme: Non-disclosure Or Misrepresentation
- Leading precedent signal: Consumer Credit Act 1974
- Advisor uphold-risk signal for Consumer Credit: medium
How the slice behaves over time
AnalysisShawbrook Bank Limited has a multi-year published decision trail in Consumer Credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Consumer Credit remains a meaningful part of Shawbrook Bank Limited's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2026: 190 decisions, 5.3% upheld
- 2025: 320 decisions, 29.7% upheld
- 2024: 115 decisions, 24.3% upheld
- 2023: 151 decisions, 29.8% upheld
- 2022: 639 decisions, 15.0% upheld
Themes, precedent context, and handling implications
AnalysisNon-disclosure Or Misrepresentation is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.
The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 12.9% of cases), review section 75 cca precedent (appears in 8.6% of cases), review section 140a cca precedent (appears in 5.1% of cases), and others.
- Second complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-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-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 decisionDRN-644031229 Jun 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons I’ve explained, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D and Miss D to accept or reject my decision before 27 July 2026.
View source decisionDRN-646150529 Jun 2026Upheld
Shawbrook Bank Limited · Consumer Credit
For the reasons set out above, I 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 27 July 2026.
View source decisionDRN-646172129 Jun 2026Not upheld
Shawbrook Bank Limited · Consumer Credit
I do not uphold Mrs S’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S to accept or reject my decision before 27 July 2026.
View source decision