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American Express Services Europe Limited
Financial Ombudsman decision DRN-5690229 Upheld
Upheldoutcome, as published by the Ombudsman
£2,454redress stated in the decision
Thu Oct 16deadline 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, Product mis-sold
In the Ombudsman’s words
Mr B then approached Amex to raise a chargeback on 26 November 2024. Amex raised a chargeback dispute under reason code “product not received” and H defended the dispute.Card dispute or chargeback
It also considered Mr B’s claim under Section 75 of the Consumer Credit Act 1974 (Section 75) and declined the claim on the basis that there was not enough evidence to support a breach of contract claim.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5690229.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.