MBNA Limited

Financial Ombudsman decision DRN-4787688 Upheld

Upheldoutcome, as published by the Ombudsman

£400redress stated in the decision

Sun Oct 27deadline 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

Unauthorised transaction, Complaint handling

In the Ombudsman’s words

Here it’s accepted that those transactions Ms S disputed were unauthorised and have since been refunded.Unauthorised transaction

Ms S was left unhappy with how MBNA had dealt with her situation and thought the offer of compensation was insufficient to recognise the time, loss of income and stress the issue had caused, so she then brought her complaint to the Financial Ombudsman Service for an independent review.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4787688.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.