Soldato
- Joined
- 10 May 2004
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- 13,019
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- Sunny Stafford
What are my chances of getting a refund?
- Thread starter lemonade
- Start date
Just go into your local branch and request a chargeback. I did this about 4 weeks ago due to some furniture I bought and cancelled then never received my money back (the website then conveniently stopped working).
So I went to my bank with print outs of the invoice and also a confirmation of the cancellation as well as dates of purchase and date of cancellation.
The bank filled out a form with me, checked my account to confirm when the cash went out of my bank, checked to confirm I never received my refund, submitted the form and within a day I had the cash back in my account. (Nationwide basically return the cash immediately then investigate the situation - if they have any issues such as the seller having contradicting info they may get in contact with you)
So I went to my bank with print outs of the invoice and also a confirmation of the cancellation as well as dates of purchase and date of cancellation.
The bank filled out a form with me, checked my account to confirm when the cash went out of my bank, checked to confirm I never received my refund, submitted the form and within a day I had the cash back in my account. (Nationwide basically return the cash immediately then investigate the situation - if they have any issues such as the seller having contradicting info they may get in contact with you)
To be fair not everyone can get to a branch and call center workers should really have some idea of the service they're supporting.
Well the Visa chargeback is a more unusual one - heck, you have a 50/50 chance of in branch workers looking at you confused with that request
Soldato
- Joined
- 8 Sep 2003
- Posts
- 23,180
- Location
- Was 150 yds from OCUK - now 0.5 mile; they moved
I thought you had no protection with a debit card and only was protected with a credit card due to credit consumer legislations?
EDIT - http://www.money.co.uk/current-accounts/is-debit-card-protection-the-same-as-for-credit-cards.htm
How are debit card purchases protected?
While credit card purchases are protected under Section 75 of the Consumer Credit Act, debit card purchases are not covered by this protection because they are not part of a credit agreement.
However, most debit card providers are starting to offer a form of protection when you make purchases using your card.
You have some protection for purchases made using all UK debit cards, including: Visa, Visa Electron, MasterCard and Maestro debit cards, through something called Chargeback. (There is a similar purchase protection scheme in place for Amex charge cards.)
The Chargeback scheme allows you to put in a claim for a refund for any goods that have not arrived, or have arrived damaged, goods that are different to how they were described, or if the merchant has stopped trading.
You can claim a refund for any amount of money when using the chargeback system. This means that even if you bought something on your credit card that is not covered by Section 75 as it cost either over £30,000 or under £100 in value, you could claim instead using chargeback. Although these items could not be claimed under Section 75 you could try to claim for them under the chargeback system.
Remember that any protection offered is not a legal obligation (like Section 75 for credit cards) but an in-house rule: this means that the exact rules for chargeback schemes vary by card provider, so you should make sure you are aware of your debit card's chargeback rules.
If you want to make a claim, you will normally have to contact the bank who provided you with the card within 120 days of when you are aware that there is an issue with the goods, or the day that they are delivered. If the goods are faulty or your card was used fraudulently, contact your bank within 120 days of when you are first made aware of this.
Ask them to initiate the Chargeback process and a dispute will be opened by your bank, who will investigate the matter and refund your money when this is settled.
If your Chargeback claim fails, you can take it to the Financial Ombudsman Service within six months of being notified.
EDIT - http://www.money.co.uk/current-accounts/is-debit-card-protection-the-same-as-for-credit-cards.htm
How are debit card purchases protected?
While credit card purchases are protected under Section 75 of the Consumer Credit Act, debit card purchases are not covered by this protection because they are not part of a credit agreement.
However, most debit card providers are starting to offer a form of protection when you make purchases using your card.
You have some protection for purchases made using all UK debit cards, including: Visa, Visa Electron, MasterCard and Maestro debit cards, through something called Chargeback. (There is a similar purchase protection scheme in place for Amex charge cards.)
The Chargeback scheme allows you to put in a claim for a refund for any goods that have not arrived, or have arrived damaged, goods that are different to how they were described, or if the merchant has stopped trading.
You can claim a refund for any amount of money when using the chargeback system. This means that even if you bought something on your credit card that is not covered by Section 75 as it cost either over £30,000 or under £100 in value, you could claim instead using chargeback. Although these items could not be claimed under Section 75 you could try to claim for them under the chargeback system.
Remember that any protection offered is not a legal obligation (like Section 75 for credit cards) but an in-house rule: this means that the exact rules for chargeback schemes vary by card provider, so you should make sure you are aware of your debit card's chargeback rules.
If you want to make a claim, you will normally have to contact the bank who provided you with the card within 120 days of when you are aware that there is an issue with the goods, or the day that they are delivered. If the goods are faulty or your card was used fraudulently, contact your bank within 120 days of when you are first made aware of this.
Ask them to initiate the Chargeback process and a dispute will be opened by your bank, who will investigate the matter and refund your money when this is settled.
If your Chargeback claim fails, you can take it to the Financial Ombudsman Service within six months of being notified.
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Visa at least not sure about others now run their own chargeback scheme that covers debit cards but obviously there's no statutory requirement for them to do so.
You don't have protection backed up by law with a debit card.
however both visa and mastercard both have debit protection and any bank using eIther of those have to agree to the chargeback terms when they sign upto use visa/mastercard.
and sometimes its better using a debit card as teh values are slightly dfferent, so some purchases are covered by debit card but not credit card and vice verse, anything under 100 get on debit, anything over get on credit
http://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback
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