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Santander Cards UK Limited

Financial Ombudsman decision DRN8275469 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

Unauthorised transaction, Card dispute or chargeback

In the Ombudsman’s words

Mrs E has indicated that the payment arrangement was misrepresented and fraudulent and that this means her payment was unauthorised. However, I do not find it unusual for a third party payment handler to be involved in processing a payment. And I am satisfied that the payment eventually reached the supplier as Mrs E intended. I am not satisfied that the payment was unauthorised in this instance.Unauthorised transaction

Mrs E complains that Santander Cards UK Limited will not consider her claim for breach and/or misrepresentation under section 75 of the Consumer Credit Act 1974.Card dispute or chargeback

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8275469.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.