HSBC UK Bank Plc
Financial Ombudsman decision DRN-3970386 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Fri Mar 31deadline 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
Unauthorised transaction, Account closed or refused, Treatment in financial difficulty, Credit file reporting
In the Ombudsman’s words
approved card payments that put his basic bank account into an unarranged overdraftUnauthorised transaction
HSBC unfairly closed his accountAccount closed or refused
HSBC gave various periods of breathing space between 2020 and 2022Treatment in financial difficulty
recorded a default on his credit fileCredit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3970386.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.