HSBC UK Bank Plc

Financial Ombudsman decision DRN-4090692 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Thu May 18deadline 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

Account closed or refused, Credit file reporting

In the Ombudsman’s words

Mr B is unhappy that HSBC UK Bank Plc, trading as First Direct, didn’t approve his application for a new account.Account closed or refused

First Direct were refusing to remove the credit search they’d conducted during the application process from Mr B’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4090692.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.