HSBC Bank plc

Financial Ombudsman decision DRN1522186 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

—deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mrs B complains that HSBC Bank Plc recalled her overdraft after she changed her account from a fee paying to a standard account. She says the bank shouldn’t have passed her account on to a debt collector as she was making agreed repaymentsTreatment in financial difficulty

She says the bank has put incorrect information on her credit file. She’s unhappy about this – she says her credit score went from “excellent” to “very poor”.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1522186.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.