Published decisions
1,496
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
21.3%
318 upheld decisions
Page summary
1,496 published FOS decisions involving Shawbrook Bank Limited in Consumer Credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,496
Decision volume in this firm-product slice
Upheld rate
21.3%
318 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
1,496
Decision volume in this firm-product slice
Upheld rate
21.3%
318 upheld decisions
Latest active year
2026
181 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
602 tagged decisions
Shawbrook Bank Limited in Consumer Credit
AnalysisShawbrook Bank Limited appears in 1,496 published decisions in Consumer Credit across this corpus. 21.3% 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 181 published decisions and an upheld rate of 5.0%.
- 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: 181 decisions, 5.0% 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
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-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