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HSBC card payment whilst abroad method dispute- adjudictor refused, ombuds overturned it **WON**


parity4all
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Definitely worth persevering.

 

Adjudicator refused to uphold my complaint about HSBC even-though I had pin-pointed her to the visa card regulations. She told me those regulations only applied to the retailer and not the bank.

 

I requested for complaint to be passed to an Ombudsman. Ombudsman looked at the case and overturned the adjudicator decision. You can see the decision here:

 

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=80586

 

Most of the time decisions are not overturned:

 

http://www.financial-ombudsman.org.uk/publications/ar14/dealt.html

 

The annual report from 2014 above says:

In 89% of final decisions, ombudsmen reached the same basic conclusions as the adjudicators who handled the cases in the earlier stages. This was a very similar proportion to the previous year. Where ombudsmen came to a different conclusion, there was either a finely-balanced judgement call or, more often, new facts came to light at a very late stage.

 

New facts didn't come to light in my complaint. Guess it was finely balanced.

Edited by parity4all
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Ombudsman =-= never found any finding agsinst in respect of HSBC in the many times I complained to them on any subject

 

yep, latest figures shows PPI success rate is somewhat high (61%), but banking and credit is a derisory 13%, for HSBC.

 

How many complaints did you have against HSBC and what were they for. e.g. banking and credit, general insurance, PPI, mortgages and home finance, investments, life & pensions and decumulation.

 

Mine were both banking and credit. not successful in one, success in the other one.

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own thread created

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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own thread created

 

Please change the header of this post. the complaint wasn't about PPI. It was about a debit card payment while abroad. The retailer put the payment through using Dynamic Currency Conversion (DCC), when I specifically told them I choose to pay in local currency. I chose not to tick the box to say "pay using DCC" nor sign below that option. In fact I wrote on the receipt "PAY in local currency please". Retailer ignored all this and put it through using DCC.

 

I complained to HSBC, they dragged their heals, and when I asked for an update, didn't respond. After the ombudsman got involved they had said, they didn't intervene as it would damage my relationship with the retailer.

 

Ombudsman decided that HSBC should have taken up the matter with the retailer on my behalf.

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thank you has been done

 

 

however you did post on a HSBC PPI thread belonging to someone else

and you didn't tell us until now what the refund was about

but a good win well done.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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