Bank of Scotland Plc

Financial Ombudsman decision DRN-5640176 Not upheld

Not upheldoutcome, as published by the Ombudsman

£75redress stated in the decision

Tue Sep 02deadline 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, Service failure

In the Ombudsman’s words

Halifax raised a chargeback, which is a process of asking the merchant for a refund via rules set by the card scheme, Visa in the circumstances of this complaint.Card dispute or chargeback

All parties accept Halifax could have handled the chargeback process better as there was back and forth between all parties with Halifax providing a credit to Mr A’s account for the £65, then removing it and then reapplying it.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5640176.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.