Continuous Payment Authority

A trader must provide a refund without undue delay and in any event within 14 days of agreeing the consumer is entitled to a refund, though retaining documentation and keys pending return can be reasonable.

Credit card providers have no regulatory obligation to block gambling transactions unless the merchant uses the correct category code and shows signs of customer harm or vulnerability.

A lender may add legal costs incurred in debt recovery proceedings to the loan balance where the loan contract permits this and the court order is silent on costs.

A lender must treat customers in financial difficulty with forbearance and due consideration, but there are no defined actions it must take provided the response is proportionate and considers individual circumstances.

A bank may close a customer's account and restrict access to funds where it has reasonable grounds to suspect fraud, provided it acts in accordance with its terms and conditions and regulatory obligations.