Clydesdale Bank Plc
Financial Ombudsman decision DRN7300423 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Jan 03deadline 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
In the Ombudsman’s words
complaint Mr A has made against Clydesdale Bank and I have not considered any complaint he may have with P. I have every sympathy with Mr A, but I find myself in agreement with the adjudicator. It seems likely that Mr A has been the victim of scam. However, that doesn’t make the bank liable to cover his losses. It provided the service he requested in paying money over to P. It was P that paid the advertising company and any claim Mr A may have lies with it. However, I note that it has declined his claim because he delayed acting until its 180 day deadline had expired. Furthermore, a claim for a chargeback has to be made within 120 days of the transaction and Mr A only complained to the bank in August, more than six months later.Card dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7300423.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.