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HSBC UK Bank Plc

Financial Ombudsman decision DRN-5987336 Not upheld

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

Mrs H is being represented, by the (“representative”), in her complaint. Background Mrs H has had an overdraft on her HSBC current account since at least September 2012. At this point, Mrs H was provided with an overdraft limit of £500. The limit has fluctuated since then with it being £800 at its highest and £100 at its lowest. In February 2025, Mrs H complained saying that she was irresponsibly provided with an overdraft which she was then allowed to continue using in a way that was unsustainable and which caused her continued financial difficulty.Irresponsible lending

Mrs H has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to her 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-5987336.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.