Published decisions
1,054
Firm-specific decision volume in the public corpus
Firm analysis
Shop Direct Finance Company Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Shop Direct Finance Company Limited, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
30.4%
320 upheld decisions
Page summary
1,054 published decisions involving Shop Direct Finance Company Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,054
Firm-specific decision volume in the public corpus
Upheld rate
30.4%
320 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
1,054
Firm-specific decision volume in the public corpus
Upheld rate
30.4%
320 upheld decisions
Leading product
Banking and credit
555 decisions
Leading complaint theme
Delay In Claim Handling
186 tagged decisions
Shop Direct Finance Company Limited at a glance
AnalysisShop Direct Finance Company Limited appears in 1,054 published decisions in this corpus. 30.4% 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.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 555 decisions and an upheld rate of 29.7%.
- Latest active year in the published data: 2026 (4 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisShop Direct Finance Company 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, Shop Direct Finance Company Limited appeared in 4 published decisions with an upheld rate of 25.0%.
- 2026: 4 decisions, 25.0% upheld
- 2025: 68 decisions, 16.2% upheld
- 2024: 83 decisions, 32.5% upheld
- 2023: 65 decisions, 27.7% upheld
- 2022: 93 decisions, 25.8% upheld
Themes, products, and precedent signals
AnalysisDelay In Claim Handling is the strongest complaint-theme signal tied to Shop Direct Finance Company 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.
- Banking and credit: 555 decisions
- Second complaint theme: Affordability Assessment Failure
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-622372621 Apr 2026Upheld
Shop Direct Finance Company Limited · Consumer Credit
It’s my final decision that I do not uphold this complaint against Shop Direct Finance Company Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr W to accept or reject my decision before 19 May 2026.
View source decisionDRN-612464631 Mar 2026Not upheld
Shop Direct Finance Company Limited · Consumer Credit
For the reasons given above, I do not uphold this complaint against Shop Direct Finance Company Limited trading as Very. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr Q to accept or reject my decision before 30 April 2026.
View source decisionDRN-613838531 Mar 2026Not upheld
Shop Direct Finance Company Limited · Consumer Credit
For the reasons given above, I do not uphold this complaint against Shop Direct Finance Company Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F to accept or reject my decision before 30 April 2026.
View source decisionDRN-611056402 Feb 2026Not upheld
Shop Direct Finance Company Limited · Consumer Credit
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss B to accept or reject my decision before 28 February 2026.
View source decisionDRN-576802218 Dec 2025Not upheld
Shop Direct Finance Company Limited · Consumer Credit
DRN-5768022 The complaint Mr N says Shop Direct Finance Company Limited (‘Shop Direct’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards the credit. What happened This complaint is about a running credit agreement... (3 pages)
View source decision