[HSBC, First Direct] Why am I getting error "UK.HSBC.FailedEligibilityCheck"?

For HSBC & First Direct the following error: UK.HSBC.FailedEligibilityCheck can occur when calling for some endpoints:

Following the consent creation, if you try to trigger any of the fulfilment endpoints for a consented account where the account has now transitioned to an inactive state it will result in an error – "Failed Eligibility Check".

Some scenarios where an account could transition to an Inactive state are as follows:

• Customer Deceased
• Account Closed
• Customer not registered for Internet Banking
• Wrong Credentials

It is worth noting that there may be additional reasons why the bank may return an FEC error.

Solution

HSBC has suggested asking the user to contact the HSBC or First Direct contact centre and quote 'Failed Eligibility Check error' and ask for a reset of their login credentials which should resolve the issue.