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Halifax Limited
Financial Ombudsman decision DRN-3379485 Upheld
Upheldoutcome, as published by the Ombudsman
£250redress stated in the decision
Fri Apr 15deadline 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
In the Ombudsman’s words
Halifax didn’t accept Mr Y’s claim. It said it had no evidence D had breached its contract with him. Halifax said because D was willing to fix the problem or provide Mr Y with a refund, it had no liability to him under section 75, or any chargeback right under the card scheme rules.Card dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3379485.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.