HSBC Bank plc

Financial Ombudsman decision DRN7920252 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed May 10deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

agreed to refund charges of £150Charges and fees

This resulted in a default being placed on his and Mrs C’s credit fileCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA DISP (Dispute Resolution), Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7920252.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.