28,686 published decisions in this corpus sit within Consumer Credit. 42.6% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.

Shawbrook Bank Limited is the single biggest firm exposure inside Consumer Credit in the published decision set. Affordability Assessment Failure is the leading complaint theme in the same category.

Consumer Credit has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.

In 2026, Consumer Credit recorded 234 published decisions with an upheld rate of 15.8%.

affordability assessment failure, delay in claim handling, non-disclosure or misrepresentation, and others are the strongest complaint-theme signals in Consumer Credit. For public analysis, those tags are the closest durable “type” layer available in the dataset.

The existing advisor model also points to recurring handling implications for Consumer Credit, including review consumer credit act 1974 precedent (appears in 12.9% of cases), review section 75 cca precedent (appears in 8.6% of cases), and others.