HSBC Bank plc

Financial Ombudsman decision DRN9965539 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 01deadline 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

Ms B complains that HSBC Bank Plc, trading as First Direct (“First Direct”) has unfairly placed her mortgage in arrears despite her previously making overpayments.Treatment in financial difficulty

She argues that it is unfair for First Direct to class her as being in arrears, in particular because it may affect her credit rating.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9965539.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.