Santander UK Plc
Financial Ombudsman decision DRN-4646243 Upheld
Upheldoutcome, as published by the Ombudsman
£1,003redress stated in the decision
Mon Mar 25deadline 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
She felt the bank transfer of £3,200 failed to meet the definition of an APP scam and was instead a civil dispute between Mrs B and S.APP scam refund refused
Santander agreed to refund the card payment as it recognised it ought to have raised a chargeback when the matter was first reported.Card dispute or chargeback
Rules cited
CRM Code (APP scam reimbursement)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4646243.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.