Published decisions
4,712
Decision volume in this firm-product slice
Firm + product analysis
HSBC UK Bank Plc in Banking and Payments
A curated public analysis of HSBC UK Bank Plc's published Financial Ombudsman decisions in Banking and Payments, including outcome context, complaint themes, precedent signals, and representative cases.
Upheld rate
32.2%
1,519 upheld decisions
Page summary
4,712 published FOS decisions involving HSBC UK Bank Plc in Banking and Payments, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
4,712
Decision volume in this firm-product slice
Upheld rate
32.2%
1,519 upheld decisions
Latest published decision 17 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
4,712
Decision volume in this firm-product slice
Upheld rate
32.2%
1,519 upheld decisions
Latest active year
2026
101 decisions
Leading complaint theme
Fraud Or Scam Concern
1,573 tagged decisions
HSBC UK Bank Plc in Banking and Payments
AnalysisHSBC UK Bank Plc appears in 4,712 published decisions in Banking and Payments across this corpus. 32.2% 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 2026, with 101 published decisions and an upheld rate of 34.7%.
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Consumer Credit Act 1974
- Advisor uphold-risk signal for Banking and Payments: low
How the slice behaves over time
AnalysisHSBC UK Bank Plc has a multi-year published decision trail in Banking and Payments, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Banking and Payments remains a meaningful part of HSBC UK 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.
- 2026: 101 decisions, 34.7% upheld
- 2025: 1,108 decisions, 25.3% upheld
- 2024: 889 decisions, 30.8% upheld
- 2023: 816 decisions, 38.1% upheld
- 2022: 910 decisions, 38.4% upheld
Themes, precedent context, and handling implications
AnalysisFraud Or Scam Concern 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 2.7% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.
- Second complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-611786417 Mar 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 14 April 2026.
View source decisionDRN-612847517 Mar 2026Upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons explained, I uphold this complaint in part and I direct HSBC UK Bank Plc to puts things right by doing what I’ve said above it should do. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C and Mr H to accept or reject my decision before 14 April 2026.
View source decisionDRN-612868917 Mar 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons explained, I uphold this complaint and I direct HSBC UK Bank Plc to put things right by doing what I’ve said above it should do. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C to accept or reject my decision before 14 April 2026.
View source decisionDRN-618644717 Mar 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
My final decision is that I uphold this complaint, but I don’t require First Direct to do anything further. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms P to accept or reject my decision before 14 April 2026.
View source decisionDRN-621204117 Mar 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
Because of the reasons given above, I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H and Miss P to accept or reject my decision before 14 April 2026.
View source decision