Published decisions
1,750
Firm-specific decision volume in the public corpus
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.
Upheld rate
20.4%
357 upheld decisions
Page summary
1,750 published decisions involving Clydesdale Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,750
Firm-specific decision volume in the public corpus
Upheld rate
20.4%
357 upheld decisions
Latest published decision 14 Sept 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
1,750
Firm-specific decision volume in the public corpus
Upheld rate
20.4%
357 upheld decisions
Leading product
Banking and credit
896 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
343 tagged decisions
Clydesdale Financial Services Limited at a glance
AnalysisClydesdale Financial Services Limited appears in 1,750 published decisions in this corpus. 20.4% 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 (92 decisions)
- Most common complaint theme: Non-disclosure Or Misrepresentation
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisClydesdale 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 92 published decisions with an upheld rate of 3.3%.
- 2026: 92 decisions, 3.3% 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
AnalysisNon-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: Affordability Assessment Failure
- Second precedent signal: Section 75 Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-650039914 Sept 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
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 B to accept or reject my decision before 12 October 2026.
View source decisionDRN-620972411 Sept 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
For the reasons given, my final decision is not to uphold Miss A’s complaint against Clydesdale Financial Services Limited, trading as Barclays Partner Finance. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss A to accept or reject my decision before 9 October 2026.
View source decisionDRN-653073721 Aug 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
Although I acknowledge why Mr O is unhappy with what’s happened and Mr O has undoubtedly faced extremely difficult circumstances, I’m not persuaded that Clydesdale Financial Services Limited trading as Barclays Partner Finance have acted incorrectly and as such I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr O to accept or reject my decision before 17 Sep...
View source decisionDRN-619252411 Aug 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
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 G to accept or reject my decision before 8 September 2026.
View source decisionDRN-651656727 Jul 2026Not upheld
Clydesdale Financial Services Limited · Consumer Credit
For the reasons set out above, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs W to accept or reject my decision before 25 August 2026.
View source decision