HSBC UK Bank Plc
Financial Ombudsman decision DRN-3155312 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Dec 09deadline to accept (not the decision date)
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
Irresponsible lending, Charges and fees, Credit file reporting
In the Ombudsman’s words
CONC 5 sets out a firm’s obligations in relation to responsible lendingIrresponsible lending
Mrs A complains that HSBC UK Bank Plc (“HSBC”) continued to charge her excessive amounts for an overdraft facility when she was in financial difficulty.Charges and fees
Mrs A asked if they would need to remove any adverse information they had reported to her credit file.Credit file reporting
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3155312.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.