Firm + product analysis

HSBC Bank plc in Payment protection insurance (PPI)

A curated public analysis of HSBC Bank plc's published Financial Ombudsman decisions in Payment protection insurance (PPI), including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

5,543 published FOS decisions involving HSBC Bank plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

5,543

Decision volume in this firm-product slice

Upheld rate

57.0%

3,160 upheld decisions

Latest published decision 05 Jun 2019

Published decisions

5,543

Decision volume in this firm-product slice

Upheld rate

57.0%

3,160 upheld decisions

Latest active year

2019

2 decisions

Leading complaint theme

Affordability Assessment Failure

439 tagged decisions

HSBC Bank plc in Payment protection insurance (PPI)

HSBC Bank plc appears in 5,543 published decisions in Payment protection insurance (PPI) across this corpus. 57.0% 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 2019, with 2 published decisions and an upheld rate of 0.0%.

  • Leading complaint theme: Affordability Assessment Failure
  • Leading precedent signal: Disp
  • Advisor risk signal for Payment protection insurance (PPI): medium

How the slice behaves over time

HSBC Bank plc has a multi-year published decision trail in Payment protection insurance (PPI), which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Payment protection insurance (PPI) 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.

  • 2019: 2 decisions, 0.0% upheld
  • 2018: 781 decisions, 58.9% upheld
  • 2017: 710 decisions, 46.5% upheld
  • 2016: 2,242 decisions, 64.0% upheld
  • 2015: 979 decisions, 79.1% upheld

Themes, precedent context, and handling implications

Affordability Assessment Failure 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 5.2% of cases), review disp precedent (appears in 5.1% of cases), review icobs precedent (appears in 4.6% of cases), and others.

  • Second complaint theme: Communication Failure

Representative cases

Recent published decisions in this slice

5 examples shown

DRN143100305 Jun 2019Not upheld

HSBC Bank plc · Payment protection insurance (PPI)

Mr K says HSBC Bank plc (trading as first direct) mis-sold him a payment protection insurance (“PPI”) policy. backgroundThis complaint is about a credit card PPI policy taken out in 2002. The policy was added to Mr K’s credit card account when he applied for the card ... (2 pages)

View source decision
DRN507323810 Jan 2019Not upheld

HSBC Bank plc · Payment protection insurance (PPI)

Mr and Mrs G complain that HSBC Bank Plc mis-sold them payment protection insurance (PPI) alongside a loan.backgroundIn 2000 Mr and Mrs G took out a personal loan. At the same time they also took out PPI – a single premium policy – designed to protect their loan repa... (3 pages)

View source decision
DRN402619010 Dec 2018Not upheld

HSBC Bank plc · Payment protection insurance (PPI)

Mr S complains that HSBC Bank Plc mis-sold him a payment protection insurance (“PPI”) policy. backgroundMr S bought the policy in 2005 at the same time as taking out a credit card. Although HSBC couldn’t confirm how he’d applied for his credit card Mr S told us he ... (3 pages)

View source decision
DRN492132210 Dec 2018Not upheld

HSBC Bank plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (“PPI”) policy taken out in 2003. Mr and Mrs G say HSBC Bank Plc (“HSBC”) mis-sold them the PPI.backgroundMr and Mrs G took out a mortgage in joint names in 2003. They also bought a PPI policy.Mr and Mrs ... (3 pages)

View source decision
DRN653648710 Dec 2018Not upheld

HSBC Bank plc · Payment protection insurance (PPI)

This complaint is about a mortgage payment protection insurance (PPI) policy taken out in 2002. Mr and Mrs P say HSBC Bank Plc (“HSBC”), trading as First Direct, mis-sold them the PPI.backgroundMr and Mrs P took out a PPI policy with a mortgage in 2002. They were both... (3 pages)

View source decision