MBNA Limited

Financial Ombudsman decision DRN2062546 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Nov 10deadline 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

Mr R complains that an item he bought using credit provided by MBNA Limited is of unsatisfactory quality and MBNA provided a poor response when he raised a claim under section 75 of the Consumer Credit Act 1974.Card dispute or chargeback

Mr R says MBNA only considered a claim under section 75 in February - when he’d asked it to do that some weeks before. And MBNA told him he couldn’t bring a claim under section 75 - as he’d bought the goods for someone else - when it was too late to pursue the chargeback any further. Mr R thinks MBNA should have explained all of this much soonerComplaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2062546.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.