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HSBC UK Bank Plc

Financial Ombudsman decision DRN-3015282 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Miss I complains about the way HSBC UK Bank Plc handled her request for support when she had difficulties making her loan repayments.Treatment in financial difficulty

HSBC also accepts that it should’ve informed Miss I that she needed to reinstate her direct debit so that her repayments could start again. So the bank agreed a plan with Miss I, asking her to keep up with her next three repayments. Following this, HSBC removed the adverse data that was recorded on Miss I’s credit report when she went into arrears.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3015282.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.