HSBC Bank plc

Financial Ombudsman decision DRN-2415395 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Aug 23deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Card dispute or chargeback, Complaint handling

In the Ombudsman’s words

Mrs G used her credit card provided by HSBC for both transactions. She is looking to HSBC for a refund of all the costs that she considers she incurred because of what she sees as misrepresentation and breach of contract by S and H.Card dispute or chargeback

Mrs G is also dissatisfied with how HSBC went about trying to get her money back for her. In particular, her stance is that HSBC never got to grips with her complaint and in any event it did not follow the chargeback rules to the letter, and she lost out as a resultComplaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2415395.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.