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Firm + product analysis

HSBC Bank plc in Banking and credit

A curated public analysis of HSBC Bank plc's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

3,748 published FOS decisions involving HSBC Bank plc in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

3,748

Decision volume in this firm-product slice

Upheld rate

14.7%

549 upheld decisions

Latest published decision 10 Dec 2018

Published decisions

3,748

Decision volume in this firm-product slice

Upheld rate

14.7%

549 upheld decisions

Latest active year

2018

557 decisions

Leading complaint theme

Delay In Claim Handling

613 tagged decisions

HSBC Bank plc in Banking and credit

HSBC Bank plc appears in 3,748 published decisions in Banking and credit across this corpus. 14.7% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2018, with 557 published decisions and an upheld rate of 18.0%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

HSBC Bank plc has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of HSBC Bank plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2018: 557 decisions, 18.0% upheld
  • 2017: 652 decisions, 17.0% upheld
  • 2016: 594 decisions, 16.5% upheld
  • 2015: 807 decisions, 12.5% upheld
  • 2014: 566 decisions, 11.7% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN369408010 Dec 2018Upheld

HSBC Bank plc · Banking and credit

Ms J complains that HSBC Bank Plc has caused many problems with her credit card since November 2016. In particular, it failed to send her statements over many months and she couldn’t access the account online.backgroundMs J’s been banking with HSBC for many years. S... (2 pages)

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DRN537499610 Dec 2018Not upheld

HSBC Bank plc · Banking and credit

Mrs T has complained that HSBC Bank Plc (“HSBC”) mis-sold her a Plus packaged bank account in 2007. Mrs T has used a Claims Management Company (“CMC”) to make her complaint.backgroundOne of our adjudicators has looked at Mrs T’s complaint already and didn’t think HS... (2 pages)

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DRN034757007 Dec 2018Upheld

HSBC Bank plc · Banking and credit

Miss O complains that HSBC Bank Plc didn’t set up a direct debit on her account. When she tried to sort this out it gave her a very poor service. backgroundMiss O took out a credit card with HSBC. She set up a direct debit but then noticed the balance on her credit car... (1 page)

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DRN000889406 Dec 2018Not upheld

HSBC Bank plc · Banking and credit

Mr and Mrs S complain that HSBC Bank Plc incorrectly debited £650 from their account twice in October 2017. Mr and Mrs S also complain about the costs they incurred as a result of resolving the issue. Mr and Mrs S are represented by Mrs S’ father in bringing their c... (2 pages)

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DRN176376106 Dec 2018Not upheld

HSBC Bank plc · Banking and credit

Mr and Mrs H complain that HSBC Bank Plc did not advise them that they could get a reduction in their interest rate when their loan to value ratio (“LTV”) reduced. Mr and Mrs H would like HSBC to pay them the amount of interest they over-paid because of this fail... (2 pages)

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