Published decisions
4,764
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
32.1%
1,531 upheld decisions
Page summary
4,764 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
4,764
Decision volume in this firm-product slice
Upheld rate
32.1%
1,531 upheld decisions
Latest published decision 21 Apr 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
4,764
Decision volume in this firm-product slice
Upheld rate
32.1%
1,531 upheld decisions
Latest active year
2026
153 decisions
Leading complaint theme
Fraud Or Scam Concern
1,607 tagged decisions
HSBC UK Bank Plc in Banking and Payments
AnalysisHSBC UK Bank Plc appears in 4,764 published decisions in Banking and Payments across this corpus. 32.1% 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 153 published decisions and an upheld rate of 30.7%.
- 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: 153 decisions, 30.7% 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-603204321 Apr 2026Upheld
HSBC UK Bank Plc · Banking and Payments
I am upholding Miss P’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss P to accept or reject my decision before 19 May 2026.
View source decisionDRN-618561121 Apr 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons I’ve explained, I don’t uphold this complaint. This final decision marks the end of our service’s consideration of the case.
View source decisionDRN-623441921 Apr 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons I’ve explained, I do not uphold Mr E’s complaint brought on behalf of E against HSBC UK Bank Plc Under the rules of the Financial Ombudsman Service, I’m required to ask E to accept or reject my decision before 19 May 2026. Caroline Davies Ombudsman
View source decisionDRN-624569621 Apr 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss M to accept or reject my decision before 19 May 2026.
View source decisionDRN-629695121 Apr 2026Upheld
HSBC UK Bank Plc · Banking and Payments
I’ve decided to uphold Mr L’s complaint against HSBC UK Bank Plc in part, and I’m directing the bank to settle in line with what I’ve set out above (in the ‘Putting things right’ section). Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 19 May 2026.
View source decision