Firm analysis

Clydesdale Financial Services Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Clydesdale Financial Services Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,666 published decisions involving Clydesdale Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,666

Firm-specific decision volume in the public corpus

Upheld rate

21.3%

354 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

1,666

Firm-specific decision volume in the public corpus

Upheld rate

21.3%

354 upheld decisions

Leading product

Banking and credit

896 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

274 tagged decisions

Clydesdale Financial Services Limited at a glance

Clydesdale Financial Services Limited appears in 1,666 published decisions in this corpus. 21.3% 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 credit is the firm’s clearest product exposure in the published decisions, with 896 decisions and an upheld rate of 24.4%.

  • Latest active year in the published data: 2026 (8 decisions)
  • Most common complaint theme: Non-disclosure Or Misrepresentation
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Clydesdale Financial Services Limited'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 Financial Services Limited appeared in 8 published decisions with an upheld rate of 0.0%.

  • 2026: 8 decisions, 0.0% upheld
  • 2025: 101 decisions, 15.8% upheld
  • 2024: 147 decisions, 17.0% upheld
  • 2023: 212 decisions, 10.4% upheld
  • 2022: 147 decisions, 19.7% upheld

Themes, products, and precedent signals

Non-disclosure Or Misrepresentation is the strongest complaint-theme signal tied to Clydesdale Financial Services Limited 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 credit: 896 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 75 Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-564159802 Feb 2026Not upheld

Clydesdale Financial Services Limited · Consumer Credit

For the reasons outlined above, I’m not upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 2 March 2026.

View source decision
DRN-612085702 Feb 2026Not upheld

Clydesdale Financial Services Limited · Consumer Credit

For the above reasons I’ve decided not to uphold Mr H’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 2 March 2026.

View source decision
DRN-612087602 Feb 2026Not upheld

Clydesdale Financial Services Limited · Consumer Credit

For the above reasons, I’ve decided not to uphold Mr T’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr T to accept or reject my decision before 2 March 2026.

View source decision
DRN-612116702 Feb 2026Not upheld

Clydesdale Financial Services Limited · 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 Miss P to accept or reject my decision before 2 March 2026.

View source decision
DRN-612176702 Feb 2026Not upheld

Clydesdale Financial Services Limited · Consumer Credit

I do not uphold Mr K’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K to accept or reject my decision before 2 March 2026.

View source decision