HSBC Bank plc

Financial Ombudsman decision DRN-4681617 Upheld

Upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

Thu Apr 11deadline 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

I don’t think it is fair to say that Mr C applied for the BBL as a sole trader. I think HSBC made an error in the way they handled L’s application and I don’t think it would be fair, in these particular circumstances, for the bank to pursue Mr C personally for this debt.Irresponsible lending

remove any adverse entries made relating to the BBL on Mr C’s personal credit record.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4681617.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.