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    • Flatcap
    • By Flatcap 14th Jun 17, 4:38 PM
    • 4Posts
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    Flatcap
    When does the clock start ticking for chargeback to apply?
    • #1
    • 14th Jun 17, 4:38 PM
    When does the clock start ticking for chargeback to apply? 14th Jun 17 at 4:38 PM
    In essence my question is whether it is when the defect was actually discovered, should have been discovered or when the item was purchased?

    I purchased an engine remap for my car in September of last year. I made the payment in full using my debit card. I have recently had the car tested at an independent specialist tuner and they inform me that the power output is significantly under that stated by the original garage. The original garage did not have the facility to test fully so were not able to confirm its power output at the time. For the chargeback scheme to apply (as it is now over the 120 days since the purchase) can I argue that the clock starts when the problem was discovered.
Page 1
    • wealdroam
    • By wealdroam 14th Jun 17, 4:56 PM
    • 18,650 Posts
    • 15,552 Thanks
    wealdroam
    • #2
    • 14th Jun 17, 4:56 PM
    • #2
    • 14th Jun 17, 4:56 PM
    In essence my question is whether it is when the defect was actually discovered, should have been discovered or when the item was purchased?

    I purchased an engine remap for my car in September of last year. I made the payment in full using my debit card. I have recently had the car tested at an independent specialist tuner and they inform me that the power output is significantly under that stated by the original garage. The original garage did not have the facility to test fully so were not able to confirm its power output at the time. For the chargeback scheme to apply (as it is now over the 120 days since the purchase) can I argue that the clock starts when the problem was discovered.
    Originally posted by Flatcap
    Read all about chargeback here: MSE's Chargeback article.

    In there you will see that the 120 day limit can be extended, but not for your situation.
    Last edited by wealdroam; 14-06-2017 at 4:58 PM.
    • Flatcap
    • By Flatcap 14th Jun 17, 6:19 PM
    • 4 Posts
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    Flatcap
    • #3
    • 14th Jun 17, 6:19 PM
    • #3
    • 14th Jun 17, 6:19 PM
    thanks id already read the guide before i posted. The guide states "Act quickly as there's a claim deadline

    The rules set by Visa, chargeback and American Express only usually give you 120 days to get a claim in – and the clock usually starts ticking when you first notice a problem
    • Flatcap
    • By Flatcap 14th Jun 17, 6:21 PM
    • 4 Posts
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    Flatcap
    • #4
    • 14th Jun 17, 6:21 PM
    • #4
    • 14th Jun 17, 6:21 PM
    and then it goes on to say 120 days from purchase. Well which is it?


    "Key differences between chargeback and Section 75:
    CHARGEBACK SECTION 75
    Is this the law? red cross green tick
    Can you claim for goods long after you've received them? No, it's more for goods not arriving or being faulty when you get them. green tick
    Can you claim at any time? No. It must be within 120 days of your purchase or payment for service. green tick
    Are any purchases covered, regardless of amount? Yes (other than min £10 for Mastercard) Only from £100 to £30,000
    How much can you claim for? Only the amount you put on the card. Full value of the transaction.
    Can you appeal to the Financial Ombudsman if unsuccessful? green tick green tick"
    Last edited by Flatcap; 14-06-2017 at 6:31 PM.
    • wealdroam
    • By wealdroam 14th Jun 17, 6:33 PM
    • 18,650 Posts
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    wealdroam
    • #5
    • 14th Jun 17, 6:33 PM
    • #5
    • 14th Jun 17, 6:33 PM
    Yes, that article is poorly written, isn't it?

    Perhaps you need to refer to the chargeback rules for whichever brand of card you have.

    What card do you have? Visa? Mastercard? Amex? Something else?
    • Flatcap
    • By Flatcap 14th Jun 17, 6:58 PM
    • 4 Posts
    • 0 Thanks
    Flatcap
    • #6
    • 14th Jun 17, 6:58 PM
    • #6
    • 14th Jun 17, 6:58 PM
    Visa. Good point. Incidentally if you read on which's website they say the clock starts from the moment you spot the problem.
    • unholyangel
    • By unholyangel 14th Jun 17, 8:01 PM
    • 11,540 Posts
    • 8,668 Thanks
    unholyangel
    • #7
    • 14th Jun 17, 8:01 PM
    • #7
    • 14th Jun 17, 8:01 PM
    https://chargeback.com/visa-chargeback-time-limits/

    OP that link might provide the answer you're looking for. It goes into detail - giving the time limit for different chargeback codes and also the circumstances in which that limit can be modified.
    Money doesn't solve poverty.....it creates it.
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