Published decisions
3,780
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%
1,024 upheld decisions
Page summary
3,780 published decisions involving Clydesdale Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
3,780
Firm-specific decision volume in the public corpus
Upheld rate
27.1%
1,024 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
3,780
Firm-specific decision volume in the public corpus
Upheld rate
27.1%
1,024 upheld decisions
Leading product
Banking and Payments
1,353 decisions
Leading complaint theme
Delay In Claim Handling
333 tagged decisions
Clydesdale Bank Plc at a glance
AnalysisClydesdale Bank Plc appears in 3,780 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 1,353 decisions and an upheld rate of 30.0%.
- Latest active year in the published data: 2026 (49 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 49 published decisions with an upheld rate of 30.6%.
- 2026: 49 decisions, 30.6% 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: 1,353 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-624390421 Apr 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S to accept or reject my decision before 19 May 2026.
View source decisionDRN-624587521 Apr 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
I don’t uphold this complaint against Clydesdale Bank Plc trading as Virgin Money. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 19 May 2026.
View source decisionDRN-626718021 Apr 2026Not upheld
Clydesdale Bank Plc · Mortgages
My final decision is that I don’t uphold this complaint. This final decision concludes the Financial Ombudsman Service’s review of this complaint.
View source decisionDRN-630157821 Apr 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
I am not upholding this complaint Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 19 May 2026. Sienna Mahboobani Ombudsman
View source decisionDRN-630539321 Apr 2026Upheld
Clydesdale Bank Plc · Banking and Payments
For the reasons explained above, it is my final decision that I uphold this complaint and Clydesdale Bank Plc, trading as Virgin Money, must put things right as explained above. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss N to accept or reject my decision before 19 May 2026.
View source decision