HSBC UK Bank Plc
Financial Ombudsman decision DRN-3386632 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Wed Jul 06deadline 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
Funds blocked or frozen, Irresponsible lending
In the Ombudsman’s words
First Direct suspended the use of his credit card.Funds blocked or frozen
First Direct declined the loan application. It said that its affordability checks led it to conclude that a loan wasn’t affordable.Irresponsible lending
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3386632.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.