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.

Page summary

1,334 published FOS decisions involving Shawbrook Bank Limited in Consumer Credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,334

Decision volume in this firm-product slice

Upheld rate

23.2%

309 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

1,334

Decision volume in this firm-product slice

Upheld rate

23.2%

309 upheld decisions

Latest active year

2026

19 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

454 tagged decisions

Shawbrook Bank Limited in Consumer Credit

Shawbrook Bank Limited appears in 1,334 published decisions in Consumer Credit across this corpus. 23.2% 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 19 published decisions and an upheld rate of 0.0%.

  • Leading complaint theme: Non-disclosure Or Misrepresentation
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Consumer Credit: medium

How the slice behaves over time

Shawbrook 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: 19 decisions, 0.0% 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

Non-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-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
DRN-612083902 Feb 2026Not upheld

Shawbrook Bank Limited · Consumer Credit

For the above reasons, my final decision is that I do not uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs A to accept or reject my decision before 2 March 2026.

View source decision