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Sainsbury's Bank Plc

Financial Ombudsman decision DRN-5099692 Upheld

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

He used the outbound flights but at least one of the return flights was cancelled so he claimed a refund from the airline. It refunded £395.50 to him and he then made a claim to Sainsbury’s Bank under section 75 of the Consumer Credit Act 1974.Card dispute or chargeback

I don’t consider that it should have taken eleven months for Sainsbury’s Bank to have made a decision on Mr W’s claim and I agree with the investigator that that wasn’t the level of service that Mr W would reasonably have expected.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-5099692.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.