HSBC UK Bank Plc
Financial Ombudsman decision DRN-5148190 Upheld
Upheldoutcome, as published by the Ombudsman
£10,356redress stated in the decision
Tue Jan 16deadline 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
Charges and fees, Credit file reporting
In the Ombudsman’s words
HSBC’s agent disagreed and said that if Mrs B paid at the end of January, that daily interest would be calculated as if Mrs B hadn’t given any notice to withdraw within the 14-day period.Charges and fees
HSBC also agreed to backdate the date of loan settlement on Mrs B’s credit file to 16 January 2024Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5148190.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.