Can I Do A Chargeback By Debit Card?

adouglasmhor

moonrakerz wrote: »

Oh dear ! - yet another who when they have an error in their facts pointed out to them has to resort to name calling !

As I said and will say again: "read what I said - and understand it " Perhaps this will help:-

"Chargeback is not enshrined in law like section 75, but is part of the Visa Scheme Rules, which participating banks subscribe to" (Which)

"AND you have used your Visa card, you can get your money back (subject to your bank’s terms and conditions)". (Visa)

"The key difference is that when you claim on a credit card under Section 75 of the Consumer Credit Act, the credit card company is legally liable.
But the Visa Debit chargeback scheme is not legally binding, so you don't have any legal redress if you are unhappy". (BBC)
(my highlighting)


Visa Scheme Rules are entirely under the control of those participating in the scheme - there is NO legal compunction on them to follow those rules.

Just to reiterate: my original statement was, and still is 100% correct:-

"but there is no legal requirement for them to do this"

If a bank or any other service provider publicises a service in their terms and conditions - which you get sent every year and when you join in most banks. They are legally obliged to honour those terms and conditions, which include card use. You then have the option to claim against them as in any other small claim. So no error in my post, it did not even contradict your irrelevant ramblings. I never stated it was a legal requirement anyway, I just said it could be done. Don't put words into my mouth.

Clive_Woody

adouglasmhor wrote: »

If a bank or any other service provider publicises a service in their terms and conditions - which you get sent every year and when you join in most banks. They are legally obliged to honour those terms and conditions, which include card use. You then have the option to claim against them as in any other small claim. So no error in my post, it did not even contradict your irrelevant ramblings. I never stated it was a legal requirement anyway, I just said it could be done. Don't put words into my mouth.

Usually their T&Cs also state that they can change their T&Cs whenever they feel like it (usually worded slightly better than I did).

adouglasmhor

Clive_Woody wrote: »

Usually their T&Cs also state that they can change their T&Cs whenever they feel like it (usually worded slightly better than I did).

Yes that's true, but unfortunately also on a shaky peg as far as the law is concerned.

Your sig is correct about Rugby Union though.

Clive_Woody

adouglasmhor wrote: »

Your sig is correct about Rugby Union though.

Absolutely, and hopefully this weekend we are going to give your boys a good tonking when they come down to Twickers :beer:

moonrakerz

adouglasmhor wrote: »

If a bank or any other service provider publicises a service in their terms and conditions - which you get sent every year and when you join in most banks. They are legally obliged to honour those terms and conditions, which include card use. You then have the option to claim against them as in any other small claim.

You are, I am afraid, the one who is rambling.
Even what you have put here is factually incorrect. Just because someone signs up to Ts & Cs does not make them legally binding - ask the huge numbers of people who signed up to various financial institutions Ts & Cs and have successfully reclaimed money from them for excessive charges. Ask Martin !

adouglasmhor wrote: »

I never stated it was a legal requirement anyway, I just said it could be done. Don't put words into my mouth.

I didn't put words into anyone's mouth - I merely pointed out that there is no legal requirement for the banks to do this - ie: They don't have to if they don't wish to.

When you are in a hole, stop digging !

adouglasmhor

Obviously it's beyond you, never mind. You got what I was saying wrong way round and you then went off at a tangent to what I was saying. You don’t get it never mind, move on. Even the bit you quoted does not actually contradict anything you said.

There is one obvious hole on this thread. So I have just added them to ignore user.