Have you bought something that isn’t as described? And has the retailer refused to give you a refund?
If you paid with your Visa debit, credit or pre-paid card, you could get your money back.
If you’re let down by a purchase, your day could be ruined or your travel plans derailed, but when you pay with Visa or Mastercard, you could dispute the payment. This is often referred to as a Chargeback.
In some cases, the dispute is simply because the seller charged the wrong amount or charged twice by mistake, in others, you may have ordered clothes that weren't as described. Or you booked a flight but the airline folded. You might have bought someone a gift for a special day, but it arrives too late - or not at all!
When things go wrong, the first thing to do is contact the seller and see if they can resolve the issue for you. If the business has folded, or they aren’t willing to help, you might be able to make a chargeback claim.
Chargeback's however do have a time limit to be initiated, the time limit is 540 days, this is detailed in the Banking Code of Conduct section 30 & 31 and is governed by the Financial Conduct Authority (FCA).
Stephenson Cartwright & Associates
Lincoln House 125 Deansgate, Manchester, M3 2BY
Telephone: +44 (0)161 526 3255 Email: enquiries@stephensoncartwright.com
Stephenson Cartwright & Associates is not a law firm and does not provide legal services. Any legal services undertaken with a legal partner introduced by Stephenson Cartwright & Associates will be done so and governed in its entirety under the contractual terms as provided by the legal partner. Stephenson Cartwright & Associates accepts no liability for non conformance in any part of a third party contract.
All consumer claims are referred to and undertaken by registered and duly regulated FCA Claims management companies.
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