Clydesdale Bank Plc
Financial Ombudsman decision DRN-4399477 Upheld
Upheldoutcome, as published by the Ombudsman
£375redress stated in the decision
Fri Nov 17deadline 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
Virgin Money attempted to use the chargeback process operated by the card scheme.Card dispute or chargeback
I do think that Virgin Money could have done a better job of dealing with Mr R, which is why I proposed to award compensation for the difficulty this caused him.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4399477.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.