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R. Raphael & Sons Limited
Financial Ombudsman decision DRN8620172 Upheld
Upheldoutcome, as published by the Ombudsman
£200redress stated in the decision
Wed Mar 23deadline 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
Raphael should’ve done more to bring the issue about the expiry date to Mrs B’s attention at the point the replacement card was issued to herService failure
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8620172.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.