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Rights to receive information from a bank that take into account autism

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  • Rights to receive information from a bank that take into account autism

    Asking for some advice on a discrimination case for my son Alf.

    He is enrolled with a financial institution/currency card and they offer help via their phone app only. You cannot call them.

    As he is autistic he finds it very difficult to communicate via chat functions/typing, and I have to help him in most matters.

    He got in touch with this institution last July to ask about his rights under Visa chargebacks. He told them he was on the spectrum and asked for them to call. They repeatedly refused and told him his only option was to use this ridiculously small chat function on the app. So he did not proceed.

    He then asked me for help on returning to the UK in December. We found out he was out of time to action a chargeback. We complained to this company, who apologised, told us they were putting things in place to improve their functionality re: customer contacts, but then refused to compensate re: the money Alf is out of pocket from not being able to action a chargeback, which is £400.

    We do not want to go to the Ombudsman, we want to take legal action. So we told them we would proceed with this. Citizens Advice told us a few weeks ago about the Equality Act 2010, but we read on this webpage that we only have a mere 6 months to start a Civil claim from the date of discrimination?

    https://www.equalityhumanrights.com/...ices-providers

    This seems very unfair. Could we argue that the discrimination/6 months was only officiated when we investigated our rights in December?

    Also, if we are out of time under the Equality Act to claim under said act, could we still issue proceedings and cite the Act and the unlawfulness? This company has only in the last month been asked to contact Alf again for another issue and flat out refused. They are not taking their responsibilities seriously, I feel.

    We would not be claiming compensation for their not following the Equality Act in this case, rather we would be claiming for the lost funds from the lack of chargeback, the rules of which they had a duty, as per the act, to make sure were communicated to Alf in a way he could handle.
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