HSBC Bank plc

Financial Ombudsman decision DRN-3577804 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 11deadline 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

APP scam refund refused, Card dispute or chargeback

In the Ombudsman’s words

Mrs S complains that HSBC Bank UK Plc (“HSBC”) have unfairly refused to refund over £9,800 she spent on her credit card as part of an investment scam.APP scam refund refused

I’ve also thought about whether HSBC could have done more to recover the funds after Mrs S reported the fraud, as in some circumstances the money can be recovered via the bank raising a chargeback dispute or a section 75 claim, for example.Card dispute or chargeback

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3577804.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.