National Westminster Bank Plc

Financial Ombudsman decision DRN-4948866 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Oct 04deadline 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

Service failure

In the Ombudsman’s words

I recognise Mr M’s concern that although the payments were restricted by NatWest that they were still showing as having debited from U’s account. However, NatWest has explained that when a payment is restricted, it allows 72 hours for U to confirm the payment isn’t fraudulent – then it will be released. Therefore, the debit will show because the transaction is pending this authority.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4948866.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.