National Westminster Bank Plc

Financial Ombudsman decision DRN2112877 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

Unauthorised transaction, Account closed or refused

In the Ombudsman’s words

Mrs B complains that National Westminster Bank Plc (‘NatWest’) won’t refund a number of disputed transactions on her current account that she says she didn’t make or authorise.Unauthorised transaction

NatWest told Mrs B to cut up her debit card (which was still in her possession) and said that it would order her a replacement. The new card was sent out, but after NatWest investigated Mrs B’s fraud claim it told her that it wasn’t prepared to refund the payments, and that it would be taking immediate steps to close her account.Account closed or refused

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2112877.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.