Virgin Money plc
Financial Ombudsman decision DRN-4878307 Upheld
Upheldoutcome, as published by the Ombudsman
£300redress stated in the decision
Tue Aug 06deadline 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, Payment delayed or failed
In the Ombudsman’s words
Mrs M complains that Clydesdale Bank Plc trading as Virgin Money hasn’t done enough to assist her in recovering money she paid to a third party supplier using her credit card.Card dispute or chargeback
After several months’ delay, in recognition of which Virgin Money offered £100 compensation, the bank attempted to use the chargeback mechanism within the card scheme rules to see if it could recover Mrs M’s money.Payment delayed or failed
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4878307.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.