Sainsbury's Bank Plc

Financial Ombudsman decision DRN-4390846 Upheld

Upheldoutcome, as published by the Ombudsman

£1,200redress stated in the decision

Mon Nov 13deadline 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, Product mis-sold

In the Ombudsman’s words

Sainsbury’s Bank raised a claim using the chargeback provisions of the card schemeCard dispute or chargeback

A’s description amount to a misrepresentation for which Sainsbury’s Bank could be liable to Mr EProduct mis-sold

Rules cited

Consumer Credit Act 1974, Financial Services and Markets Act 2000, FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4390846.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.