HSBC Bank plc

Financial Ombudsman decision DRN-5604781 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Jul 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

Credit file reporting, Data and privacy

In the Ombudsman’s words

because of historical data they’d retained about his IVA, which was no longer on his credit fileCredit file reporting

unfairly refused to open new banking products with him because they’d retained historical data about his IVA for longer than six yearsData and privacy

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5604781.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.