HSBC UK Bank Plc
Financial Ombudsman decision DRN-3359643 Upheld
Upheldoutcome, as published by the Ombudsman
£300redress stated in the decision
Wed Apr 13deadline 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, Credit file reporting
In the Ombudsman’s words
HSBC irresponsibly gave Mr H a loan that was not affordable for himIrresponsible lending
remove any adverse information that may have been recorded with the credit reference agencies in respect of this loanCredit 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-3359643.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.