Published decisions
700
Decision volume in this year-product slice
Year + product analysis
Consumer Credit complaints in 2026
A curated public analysis of Consumer Credit in 2026, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Upheld rate
16.7%
117 upheld decisions
Page summary
700 published FOS decisions in Consumer Credit during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
700
Decision volume in this year-product slice
Upheld rate
16.7%
117 upheld decisions
Latest published decision 17 Mar 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
700
Decision volume in this year-product slice
Upheld rate
16.7%
117 upheld decisions
Leading firm
Shawbrook Bank Limited
134 decisions
Leading complaint theme
Affordability Assessment Failure
431 tagged decisions
Consumer Credit in 2026
Analysis700 published decisions in the corpus sit in Consumer Credit for 2026. 16.7% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Shawbrook Bank Limited is the most visible firm inside this year-product slice, with 134 published decisions.
- 2026: 700 decisions, 16.7% upheld
- Leading complaint theme: Affordability Assessment Failure
- Leading precedent signal: Consumer Credit Act 1974
Firm concentration and issue profile
AnalysisShawbrook Bank Limited, Mitsubishi HC Capital UK Plc, Clydesdale Financial Services Limited, and others are the firms most often associated with Consumer Credit complaints in 2026. This gives a much tighter public view than the standalone year or product pages alone.
affordability assessment failure, non-disclosure or misrepresentation, delay in claim handling, and others are the strongest complaint-theme signals in this year-product combination.
- Shawbrook Bank Limited: 134 decisions, 3.7% upheld
- Mitsubishi HC Capital UK Plc: 76 decisions, 1.3% upheld
- Clydesdale Financial Services Limited: 63 decisions, 1.6% upheld
- BMW Financial Services (GB) Limited: 13 decisions, 53.9% upheld
- CA AUTO FINANCE UK LTD: 13 decisions, 76.9% upheld
Handling implications and precedent context
AnalysisThe advisory layer for Consumer Credit points to recurring handling implications here, 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.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Affordability Assessment Failure
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-587591917 Mar 2026Not upheld
Mitsubishi HC Capital UK Plc · 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 G to accept or reject my decision before 14 April 2026.
View source decisionDRN-594849717 Mar 2026Not upheld
Mitsubishi HC Capital UK Plc · 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 C to accept or reject my decision before 14 April 2026.
View source decisionDRN-597200917 Mar 2026Not upheld
Oodle Financial Services Limited · Consumer Credit
My final decision is that I don’t uphold Miss O’s complaint against Oodle Financial Services Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss O to accept or reject my decision before 14 April 2026.
View source decisionDRN-601451217 Mar 2026Not upheld
Mitsubishi HC Capital UK Plc · Consumer Credit
My final decision is that I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F to accept or reject my decision before 14 April 2026.
View source decisionDRN-601740417 Mar 2026Not upheld
Mitsubishi HC Capital UK Plc · 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 E to accept or reject my decision before 14 April 2026.
View source decision