Published decisions
3,813
Firm-specific decision volume in the public corpus
Firm analysis
Clydesdale Bank Plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Clydesdale Bank Plc, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
27.1%
1,034 upheld decisions
Page summary
3,813 published decisions involving Clydesdale Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
3,813
Firm-specific decision volume in the public corpus
Upheld rate
27.1%
1,034 upheld decisions
Latest published decision 24 Aug 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
3,813
Firm-specific decision volume in the public corpus
Upheld rate
27.1%
1,034 upheld decisions
Leading product
Banking and Payments
1,384 decisions
Leading complaint theme
Delay In Claim Handling
342 tagged decisions
Clydesdale Bank Plc at a glance
AnalysisClydesdale Bank Plc appears in 3,813 published decisions in this corpus. 27.1% 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 Payments is the firm’s clearest product exposure in the published decisions, with 1,384 decisions and an upheld rate of 30.1%.
- Latest active year in the published data: 2026 (82 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisClydesdale Bank Plc'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, Clydesdale Bank Plc appeared in 82 published decisions with an upheld rate of 30.5%.
- 2026: 82 decisions, 30.5% upheld
- 2025: 389 decisions, 26.2% upheld
- 2024: 330 decisions, 36.1% upheld
- 2023: 328 decisions, 35.7% upheld
- 2022: 238 decisions, 29.4% upheld
Themes, products, and precedent signals
AnalysisDelay In Claim Handling is the strongest complaint-theme signal tied to Clydesdale Bank Plc 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 Payments: 1,384 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-647486324 Aug 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
For the reasons set out above my final decision is that I don’t uphold Mr H’s complaint about Clydesdale Bank Plc trading as Virgin Money. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 21 September 2026.
View source decisionDRN-652558324 Aug 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss G to accept or reject my decision before 21 September 2026.
View source decisionDRN-624740121 Aug 2026Upheld
Clydesdale Bank Plc · Banking and Payments
I uphold this complaint and direct Clydesdale Bank Plc trading as Virgin Money to take the action I’ve set out in the ‘putting things right’ section of my decision. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 18 September 2026.
View source decisionDRN-636934721 Aug 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mrs W to accept or reject my decision before 18 September 2026.
View source decisionDRN-641397218 Aug 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 15 September 2026.
View source decision