HSBC Bank plc

Financial Ombudsman decision DRN4435925 Upheld

Upheldoutcome, as published by the Ombudsman

£1,000redress 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

Credit file reporting, Service failure

In the Ombudsman’s words

HSBC says it gave a month’s notice to Mr A before it registered the default on his account.Credit file reporting

I do consider the bank failed Mr A by sending him the confusing correspondence in August 2012.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4435925.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.