National Westminster Bank Plc

Financial Ombudsman decision DRN4453009 Not upheld

Not upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Sep 12deadline 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

Complaint handling, Service failure

In the Ombudsman’s words

The bank had already made an offer, which our adjudicator viewed as fair and reasonable.Complaint handling

It is clear that Mr C applied for the credit card because he had been told that he would be able to use it to make a payment to an overseas account. The bank took six weeks to process his application.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4453009.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.