Clydesdale Bank Plc
Financial Ombudsman decision DRN-6056677 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Aug 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
Card dispute or chargeback, Complaint handling
In the Ombudsman’s words
VM attempted a chargeback which was defended by J on the basis that the return was never receivedCard dispute or chargeback
VM made errors in logging the complaint and only issued a final response in November 2025Complaint handling
Rules cited
Consumer Credit Act 1974, FCA Consumer Duty (PRIN 2A)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6056677.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.