ClearBank Limited
Financial Ombudsman decision DRN-5653120 Upheld
Upheldoutcome, as published by the Ombudsman
£200redress stated in the decision
Fri Aug 29deadline 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
APP scam refund refused, Card dispute or chargeback
In the Ombudsman’s words
Mr T complains that ClearBank Limited won’t refund transactions he didn’t make or otherwise authorise.APP scam refund refused
I’ll explain why. When a payment is disputed, the starting point in law is that the payer is liable for payments that they authorised, and the payment service provider is liable for unauthorised payments.Card dispute or chargeback
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5653120.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.