Published decisions
1,335
Decision volume in this firm-product slice
Firm + product analysis
Clydesdale Bank Plc in Banking and Payments
A curated public analysis of Clydesdale Bank Plc's published Financial Ombudsman decisions in Banking and Payments, including outcome context, complaint themes, precedent signals, and representative cases.
Upheld rate
30.1%
402 upheld decisions
Page summary
1,335 published FOS decisions involving Clydesdale Bank Plc in Banking and Payments, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,335
Decision volume in this firm-product slice
Upheld rate
30.1%
402 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
1,335
Decision volume in this firm-product slice
Upheld rate
30.1%
402 upheld decisions
Latest active year
2026
27 decisions
Leading complaint theme
Fraud Or Scam Concern
180 tagged decisions
Clydesdale Bank Plc in Banking and Payments
AnalysisClydesdale Bank Plc appears in 1,335 published decisions in Banking and Payments across this corpus. 30.1% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.
The latest year represented in this slice is 2026, with 27 published decisions and an upheld rate of 33.3%.
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Consumer Credit Act 1974
- Advisor uphold-risk signal for Banking and Payments: low
How the slice behaves over time
AnalysisClydesdale Bank Plc has a multi-year published decision trail in Banking and Payments, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Banking and Payments remains a meaningful part of Clydesdale Bank Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2026: 27 decisions, 33.3% upheld
- 2025: 354 decisions, 25.1% upheld
- 2024: 270 decisions, 40.4% upheld
- 2023: 279 decisions, 36.2% upheld
- 2022: 187 decisions, 27.8% upheld
Themes, precedent context, and handling implications
AnalysisFraud Or Scam Concern is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.
The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 2.7% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.
- Second complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-623181717 Mar 2026Upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that I uphold this complaint. I instruct Clydesdale Bank Plc trading as Virgin Money to pay L a further £150 compensation for the inconvenience caused.
View source decisionDRN-589422906 Mar 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
For the reasons given, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 3 April 2026.
View source decisionDRN-597911506 Mar 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
I do not 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 3 April 2026.
View source decisionDRN-620031405 Mar 2026Not upheld
Clydesdale Bank Plc · Banking and Payments
While it’ll likely come as a disappointment to Mr P, I don’t uphold his complaint against Clydesdale Bank Plc trading as Virgin Money for the reasons explained above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr P to accept or reject my decision before 2 April 2026.
View source decisionDRN-601499017 Feb 2026Upheld
Clydesdale Bank Plc · Banking and Payments
My final decision is that I uphold Mrs C’s complaint and instruct Clydesdale Bank Plc trading as Virgin Money to settle the complaint as I’ve set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C to accept or reject my decision before 17 March 2026.
View source decision