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    • wealdroam
    • By wealdroam 20th Dec 11, 10:50 PM
    • 18,651 Posts
    • 15,554 Thanks
    wealdroam
    • #2
    • 20th Dec 11, 10:50 PM
    • #2
    • 20th Dec 11, 10:50 PM
    Thank you for separating this information from the Section 75 Refunds article.

    This chargeback information has always been somewhat hidden at the bottom of that article, and this new article is a welcome improvement.

    Thanks again.
    • welshtony
    • By welshtony 21st Dec 11, 9:54 AM
    • 66 Posts
    • 7 Thanks
    welshtony
    • #3
    • 21st Dec 11, 9:54 AM
    • #3
    • 21st Dec 11, 9:54 AM
    Does anyone know what category a Natwest Gold plus Mastercard Charge Card comes into?

    When using it to book travel costs, I get charged a credit card surcharge, and when I queried this with the Natwest helpline, they said that was correct, but it is repaid automatically ever month (linked to an automatic overdraft account) and clearly says "Charge Card" on the face of it.

    Seems like I get the worst of both worlds; no s75 cover, and still have to pay credit card surcharges!

    I have had the card since its inception, back in the 80s. I don't think it's available to new customers any more, it's worth it for its travel insurance cover alone, but it would be nice to be able to avoid travel surcharges as well, if possible.
  • smr7684
    • #4
    • 23rd Dec 11, 1:31 PM
    • #4
    • 23rd Dec 11, 1:31 PM
    I've just lodged a 'dispute' with Nationwide over hiring a van which never showed up. The manager said it wasn't a dispute because I'd given my money with my permission... but I think even if I had and the service wasn't provided it's still a valid dispute? Although maybe we've used the wrong form as it's a chargeback rather than dispute? Hopefully when their head office receives the details they'll treat it accordingly.
    • the_matrix
    • By the_matrix 3rd Jan 12, 11:21 PM
    • 522 Posts
    • 245 Thanks
    the_matrix
    • #5
    • 3rd Jan 12, 11:21 PM
    • #5
    • 3rd Jan 12, 11:21 PM
    I've just lodged a 'dispute' with Nationwide over hiring a van which never showed up.
    Originally posted by smr7684
    What address and department did you write to. Was it the freepost address?
    SECRET OF SUCCESS IN LIFE:
    Patience, patience & patience.
    • the_matrix
    • By the_matrix 4th Jan 12, 12:02 PM
    • 522 Posts
    • 245 Thanks
    the_matrix
    • #6
    • 4th Jan 12, 12:02 PM
    • #6
    • 4th Jan 12, 12:02 PM
    Fasthosts have made the following claim regarding chargeback:

    ~~~~~~~~~~~~~~~~~~~~~~~~~
    Dear XXX,

    If you raise a chargeback, we will dispute it, which could result in further charges being incurred by yourself.

    Kind Regards

    Grant
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    Is this true?
    SECRET OF SUCCESS IN LIFE:
    Patience, patience & patience.
    • melavo
    • By melavo 8th Feb 12, 11:47 AM
    • 22 Posts
    • 2 Thanks
    melavo
    • #7
    • 8th Feb 12, 11:47 AM
    Natwest Debit Chargeback 6 months later
    • #7
    • 8th Feb 12, 11:47 AM
    Hi, Im wondering if anyone can help me.
    In July last year whilst in Egypt I paid for an excursion that was nearly £400. The trip was paid for in advance so we have a reciept. On the morning of the trip no one came to pick us up and we didnt go anywhere. At this point my debit card wasnt charged.
    On our return home we found that the trip had been charged and contacted Natwest who put us through to visa chargeback. I recieved a fax which I filled in and faxed back disputing the charge and exactly why and was told by natwest a few days later that they had found in our favour and the monies were returned.
    We thought that was the end of the matter until yesterday when the money (£371.07) was debited from our account leaving us without a penny.
    After numerous calls to and from Natwest it emerges this chargeback as raised its head again as the merchant in Egypt has sent Visa a reciept (Of course there is a reciept the trip was paid for in advance) Visa Chargebacks have now said as the merchant advises that the reciept is only issued AFTER the trip. (It was in fact issued in the hotel lobby days before the trip) They have clawed the money back.
    Natwest also advise me that they wrote to me in November advising of the recipet being produced but I never responded so they have taken their money.
    I have told Natwest that the reciept was issued when the trip was booked (which is normal procedure here and abroad I feel), The natwest advisor continued to tell me that they can not arbitrate so can not take the case any further.
    I told her that I feel that they have taken the Merchants side as he has had the money back.
    Natwest said they will pass it to arbitration which can take 48 hours but theres no guarantee they`ll find in my favour. I also explained to her that I had no knowledge this case was still pending and that as far as I was aware it was closed as it was settled in our favour in Aug and its now Feb.
    Can anyone help me or have I been ripped off and lost the best part of £400 ? I just dont know what to do.
    • melavo
    • By melavo 13th Feb 12, 7:39 AM
    • 22 Posts
    • 2 Thanks
    melavo
    • #8
    • 13th Feb 12, 7:39 AM
    • #8
    • 13th Feb 12, 7:39 AM
    Just wanted to let you all know Natwest gave me a full refund which immediatley went into my account on Friday with a full apology.....Seems I was right after all
    • Keeping Positive
    • By Keeping Positive 13th Feb 12, 6:49 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    • #9
    • 13th Feb 12, 6:49 PM
    • #9
    • 13th Feb 12, 6:49 PM
    My OH saved up and bought a golf club online through supergolfstore.co.uk paying using a Barclays VISA debit card. Unfortnately this was linked to a chinese company Wittek who took the money and attempted to send a fake which was stopped at customs .

    Barclays say if the club had not got to the UK or it had arrived faulty then he would have been covered but as it got to the UK he isnt ??!!

    I have sent of a chargeback letter and logged a call with the Financial Ombudsman so heres hoping I can get a refund. Barclasy have 8 weeks in which to respond.

    In the meantime if anyone reads this can we do a MSE roll call for supergolfstore.co.uk so others can be warned. There is no obvious sign that it is NOT a uk website and my OH found no bad reviews online.

    I will update with any news

    Thanks
    KP

    PS supergolfstore.co.uk is NOT a UK website.
    May 2013 new beginnings
    • Keeping Positive
    • By Keeping Positive 14th Feb 12, 6:13 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    Well barclays wrote back asking OH to confirm the dispute for damaged/defective goods and to send them the paperwork along with proof of return . 1) I sent everything in with the letter and 2) we never got the darn goods!

    Rang up and they repeated the news that it is a loop hoop, They cant chargeback because the goods got to the UK and were intervepted by a third party. I have complained on the grounds that the goods must have been defective for them to get seized at customs and we would have returned the club if received. New complaint logged and dispute team updated.

    Goona be a fight but Im still go try. It will cost Barclays £500 if I go to the ombudsman so its in their interests to come to an agreement.

    KP

    PS dont for get that supergolfstore.co.uk is a sham and not a UK website. The goods are fake.
    May 2013 new beginnings
    • tyor
    • By tyor 14th Mar 12, 10:53 AM
    • 14 Posts
    • 0 Thanks
    tyor
    Fraud Protection
    I need some clarification on the best/cheapest way to protect a payment.

    I am about to pay for a holiday villa directly to the owner's UK bank account. Since the villa is not in UK it means I can't verify the ownership. I'd like to know if I am protected from fraud if I make the payment with my visa debit card.

    NB- The villa is privately owned and was advertised on one of the popular villa websites that connects private owners with interested holiday seekers.

    Thanks
  • pby1970
    PIP Implant recovery
    Does anyone know if the chargeback can apply to PIP implants? My wife had them 5 years ago (paid by debit card), but had them replaced last week when they were both found to have ruptured. As we are finding out the 'goods' are defective only now, could we claim back from the bank if we make the claim within 120 days? There was no way of knowing, or reason to suspect they were defective, until the story was made public.

    Sadly, my bank is Santander, so anything we try to pursue will be a long hard slog, but if there is a chance of success, we will go for it.

    Thanks for your help.
    • the_matrix
    • By the_matrix 19th Mar 12, 2:13 PM
    • 522 Posts
    • 245 Thanks
    the_matrix
    Does anyone know if the chargeback can apply to PIP implants? My wife had them 5 years ago (paid by debit card), but had them replaced last week when they were both found to have ruptured. As we are finding out the 'goods' are defective only now, could we claim back from the bank if we make the claim within 120 days? There was no way of knowing, or reason to suspect they were defective, until the story was made public.

    Sadly, my bank is Santander, so anything we try to pursue will be a long hard slog, but if there is a chance of success, we will go for it.

    Thanks for your help.
    Originally posted by pby1970
    I would put in a claim via my bank.

    Also I would speak to the no-win no-fee solicitors. They may be able to make a claim for injury and that will result in £1Ks worth of compensation.

    HTH
    SECRET OF SUCCESS IN LIFE:
    Patience, patience & patience.
  • swan-swan
    Thank you for separating this information from the Section 75 Refunds article.

    This chargeback information has always been somewhat hidden at the bottom of that article, and this new article is a welcome improvement.

    Thanks again.
    Originally posted by wealdroam
    Hi
    I bought an item on ebay and used paypal to pay the £615.
    The seller sent to the wrong address so I claimed a refund under didn't recieve my item and to my horrer they refused to uphold my claim saying they had a valid tracking even tho it wasn't to my address??
    I've now used chargeback to reclaim this and now waiting the outcome.
    Thanks for the info on this as when I first went into my bank they said I'd no recourse as it was a debit card!!
  • pepsiclesb
    VISA chargeback scheme
    Can anyone please advise me whether the faulty goods have to be returned to the supplier in order for the bank to initiate a chargeback? Many thanks!
    • Keeping Positive
    • By Keeping Positive 4th Apr 12, 6:23 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    Can anyone please advise me whether the faulty goods have to be returned to the supplier in order for the bank to initiate a chargeback? Many thanks!
    Originally posted by pepsiclesb
    I beleive so as the form the bank sent wanted details of the return. Best to speak to the bank though if for whatever reason you cant return the goods.
    May 2013 new beginnings
    • Keeping Positive
    • By Keeping Positive 4th Apr 12, 6:26 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    Well barclays wrote back asking OH to confirm the dispute for damaged/defective goods and to send them the paperwork along with proof of return . 1) I sent everything in with the letter and 2) we never got the darn goods!

    Rang up and they repeated the news that it is a loop hoop, They cant chargeback because the goods got to the UK and were intervepted by a third party. I have complained on the grounds that the goods must have been defective for them to get seized at customs and we would have returned the club if received. New complaint logged and dispute team updated.

    Goona be a fight but Im still go try. It will cost Barclays £500 if I go to the ombudsman so its in their interests to come to an agreement.

    KP

    PS dont for get that supergolfstore.co.uk is a sham and not a UK website. The goods are fake.
    Originally posted by Keeping Positive

    Surprising update

    Bank still didnt want to play ball and I was too busy to get around to sending a complaint letter but just in case we asked for a refund from the supplier and it was processed!!?? Lost out a bit on exhange rate but a nice surprise given that as far as we can see it was a con becuase the goods were fake.
    May 2013 new beginnings
  • BB66
    Well done keeping positive!
    I'm in the same position you was, a GStar website that looked genuine and had a UK address but was from China and wrong goods were sent and were fake!
    Company asked for the fake goods to be sent back, to China! I did this and they stopped replying to my e-mails!
    Put away a chargeback request to the bank, as my son is only 16 and it was him that made the purchase, with a print off of all the e-mails. Now the bank wants us tosend a proof of delivery for the return and an invoice, which the company never gave my son!
    Feel a bit stuck now, what should I do next?
    Where would I find a copy of the next letter after the first chargeback request letter?
    Thanks in advance for any help!
    • Keeping Positive
    • By Keeping Positive 27th Apr 12, 7:24 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    Sorry to hear that BB66 I think trading standards should have more power to stop these sites or at someone should make them have to declare where the goods are from .

    If the bank has replied then it should mention something about appealing. If not ring up and ask them to make a complaint and they should take this over the phone or send another form out. Follow their complaints process and if no luck contact the ombudsman.

    Banks dont like that as its costs them £500 regardless. We never got the goods so no proof of return but your emails should be enough.

    Good luck
    KP
    May 2013 new beginnings
  • Greytechie
    Webretail UK - UK Greenhouse Sales
    My wife and I ordered a greenhouse over the phone, after haggling a really good price (we thought at the time).

    We paid in full £1560, using a VISA Debit Card.

    A month later it has not arrived so we tried to contact the company(s) and discovered they have gone into administration.

    We tried a Section 75 claim with the bank (Barclays), response was Debit Card not covered under that. They didn't tell us about chargeback though which we found out about here!

    Have downloaded and filled in the letter template and will let you know how we get on.
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