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lost CHAPS payment
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I don't believe it's as simple as saying that you paid the fee to TSB therefore your contract was with them and therefore they're consequently liable for any problems regardless of whereabouts in the chain they happened.
While I appreciate that the fault may well lie with PO, the responsibility to the OP lies with TSB, because they are the ones that he has the contractual relationship for the transaction with. Any redress must be sought from them, then if they wish to claim for their costs from PO they can.0
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