HSBC UK Bank Plc
Financial Ombudsman decision DRN-6230064 Upheld
Upheldoutcome, as published by the Ombudsman
£505redress stated in the decision
Tue Apr 14deadline 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, Payment delayed or failed
In the Ombudsman’s words
HSBC raised a chargeback and the card scheme agreed a refund in May 2025, but HSBC didn’t apply the refund until November 2025.Card dispute or chargeback
due to HSBC’s error that refund wasn’t applied until 6 November 2025Payment delayed or failed
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6230064.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.