HSBC UK Bank Plc
Financial Ombudsman decision DRN-5122373 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Jan 09deadline 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, Charges and fees
In the Ombudsman’s words
it was irresponsible for first direct to offer a mortgage as they’d since visited the property and found evidence of damp.Irresponsible lending
didn’t refund a fee paid in relation to their mortgage applicationCharges and fees
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5122373.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.