Chargeback for Visa Debit Cards

Vincenti · 9 February 2010 at 12:56PM

I recently paid for some training with a cheque for £4000 plus a Visa Debit card payment of £887.50 and now the company has gone into administration. I also paid for an exam with the same company using the debit card for a further £340.75. Is it possible to reclaim the whole amount (including the £4000 cheque) via the Chargeback system, or can I just reclaim the amounts debited via the debit cards, or can I not reclaim anything?:eek:

catwoman150 · 9 February 2010 at 1:05PM

Can you not stop the cheque to the company or is it too late?

Vincenti · 9 February 2010 at 1:14PM

No unfortunately the cheque has gone through as the initial payments were in November 2009, with the exam payment being Feb 2010.

dtaylor84 · 9 February 2010 at 2:11PM

Vincenti wrote: »

I recently paid for some training with a cheque for £4000 plus a Visa Debit card payment of £887.50 (edit - and the £340.75) and now the company has gone into administration. I also paid for an exam with the same company using the debit card for a further £340.75. Is it possible to reclaim the whole amount (including the £4000 cheque) via the Chargeback system, or can I just reclaim the amounts debited via the debit cards, or can I not reclaim anything?:eek:

You may be able to charge back the Debit card payment of £887.50, but as you paid by Debit card not Credit card then Section 75 of the Consumer Credit Act does not apply, and you bank has absolutely no liability for the £4000 payment by cheque.

Vincenti · 9 February 2010 at 2:19PM

Thanks, I wasn't sure if the £4000 could be linked, so I think you have answered my question. I will go ahead and try to reclaim the £887 and £340 via the Visa Debit chargeback system.

Chargeback for Visa Debit Cards

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