Background
Revolut had refused a scam-related refund citing 'authorised' status of the payment.
The challenge
Complex CRM Code arguments and contested authorisation evidence.
Actions taken
- Prepared full FOS complaint with device and transaction forensics
- Responded to two rounds of investigator questions
- Requested Ombudsman review after initial adjudicator finding
Outcome
FOS upheld the complaint. Revolut paid the £3,500 award in full.