Creditor, lender or debt-collection entity

HSBC UK

Independent information on HSBC UK Bank plc, missed payments, financial-difficulty support, complaints and affordability checks.

HSBC UK publishes financial-difficulty support for missed or expected payments on credit cards, loans, overdrafts and mortgages. It asks customers to provide income and expenditure information so support can be based on their circumstances.

What role does HSBC UK have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

HSBC UK Bank plc is registered in England and Wales under company number 09928412. HSBC and the FCA identify the firm under reference number 765112.

HSBC UK Bank plc is authorised by the PRA and regulated by the FCA and PRA under firm reference number 765112.

Contacting HSBC UK

Use HSBC UK’s official money-worries, app, online banking or customer-contact routes. Avoid acting on unexpected payment instructions from an unverified caller or message.

If you want to complain

HSBC UK publishes a formal complaint process and says eligible unresolved complaints can be referred to the Financial Ombudsman Service.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with HSBC UK. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.