HSBC UK Bank Plc
Financial Ombudsman decision DRN-5613740 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jul 14deadline 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
Ms F has complained about the overdraft charges HSBC UK Bank Plc (trading as “First Direct”) applied to her current account. She’s said that the overdraft was unaffordable and so she shouldn’t have been provided with it.Irresponsible lending
Ms F has complained about the overdraft charges HSBC UK Bank Plc (trading as “First Direct”) applied to her current account.Charges and fees
Rules cited
Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5613740.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.