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HSBC Bank plc

Financial Ombudsman decision DRN7887232 Not upheld

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, Service failure

In the Ombudsman’s words

Mr K complains that HSBC Bank Plc didn’t tell him that he could ask for a chargeback on his debit card if he made a claim within 118 days.Card dispute or chargeback

I find that the bank failed to advise Mr K that there was a procedure available which would enable him to claim back the money he had lost on his debit card, and that he had 118 days from the date of the transaction to take advantage of it.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7887232.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.