Published decisions
1,157
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
17.0%
197 upheld decisions
Page summary
1,157 published FOS decisions in Consumer Credit during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,157
Decision volume in this year-product slice
Upheld rate
17.0%
197 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
1,157
Decision volume in this year-product slice
Upheld rate
17.0%
197 upheld decisions
Leading firm
Shawbrook Bank Limited
181 decisions
Leading complaint theme
Affordability Assessment Failure
685 tagged decisions
Consumer Credit in 2026
Analysis1,157 published decisions in the corpus sit in Consumer Credit for 2026. 17.0% 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 181 published decisions.
- 2026: 1,157 decisions, 17.0% 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: 181 decisions, 5.0% upheld
- Mitsubishi HC Capital UK Plc: 112 decisions, 4.5% upheld
- Clydesdale Financial Services Limited: 81 decisions, 2.5% upheld
- MONEYBARN NO.1 LIMITED: 62 decisions, 1.6% upheld
- BMW Financial Services (GB) Limited: 25 decisions, 44.0% 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-476287721 Apr 2026Not upheld
Mitsubishi HC Capital UK Plc · Consumer Credit
My decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 19 May 2026.
View source decisionDRN-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-604147221 Apr 2026Not upheld
Volkswagen Financial Services (UK) Limited · Consumer Credit
For the reasons given above, it’s my final decision not to uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 19 May 2026.
View source decisionDRN-604365421 Apr 2026Not upheld
N.I.I.B. Group Limited · Consumer Credit
For the reasons above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss F to accept or reject my decision before 19 May 2026.
View source decision