Visa Debit Card Chargeback Scheme not same as Credit Card?!

Seiba

I paid for an online service via paypal. The service was not delivered so I started a paypal dispute. Found out they don't cover virtual goods and services so I made a chargeback claim... I paid directly from my visa debit card not using the PayPal balance thing.

Now my bank (Halifax) is telling they can't do anything. They tell me if the seller refuses to refund me they can't force the refund because I used a visa debit card, not a visa credit card. :mad: I read on the BBC that visa debit cards can refund consumers similar to credit cards but I keep getting told nothing can be done.

So now the seller took my money, didn't provide the service, walks away like nothing happened.

normanmark

http://whatconsumer.co.uk/visa-debit-chargeback/

I think the loophole is that you used PayPal, most providers seem to wash their hands of any such charge backs involving that third party.

What was you purchasing out of interest?

Your best bet is to write to them, i

Seiba

"When you make a purchase though Paypal you are not covered by section 75 of the Consumer Credit Act and therefore you cannot claim your money back from your credit card provider. However, Paypal transactions are covered by the Visa Debit Chargeback scheme."

Well that Halifax customer service assistant asked two of her supervisors when I questioned her statement about visa debit cards unable to force a refund, and she came back each time telling me it's 100% correct info.

And to get kicks, the seller told them the service was delivered. I still have email correspondance showing his rather rude remarks after the set deadline for the service so I can prove he lied about having delivered the service.

ElkyElky

People who rob others of their hard earned cash should be flown to Iraq and violently stoned until they bleed.

McKneff

ElkyElky wrote: »

People who rob others of their hard earned cash should be flown to Iraq and violently stoned until they bleed.

Bit over the top theire Elky, chop one of their hands off and if they do it again, off with the other one.:D

normanmark

ElkyElky wrote: »

People who rob others of their hard earned cash should be flown to Iraq and violently stoned until they bleed.

I'd hold fire until we have the full story, assumption is the mother of all f*ck ups.

withabix

So, what was the virtual item and how much did it cost?

donnac2558

If you paid via Paypal then you should put a dispute through Ebay and Paypal. To be honest Ebay usually come down on the side of the buyer. Start with Ebay and state non receipt of goods paid for.

Now if the seller has no money it their Paypal account they cannot enforce anything. But they will ban them from selling on Ebay.

benf90

donnac2558 wrote: »

If you paid via Paypal then you should put a dispute through Ebay and Paypal. To be honest Ebay usually come down on the side of the buyer. Start with Ebay and state non receipt of goods paid for.

Now if the seller has no money it their Paypal account they cannot enforce anything. But they will ban them from selling on Ebay.

Was it Ebay though? It's not just people that sell on Ebay who Paypal process transactions for.

And, in any case...

Seiba wrote: »

I paid for an online service via paypal. The service was not delivered so I started a paypal dispute. Found out they don't cover virtual goods and services

hippey

I think there is a lot of confusion over the 'chargeback' system, it IS the same for debit or credit, it differs slightly depending on the card scheme (Visa/Mcard/Discover/AmEx/Diners)

The main difference is with Credit in the UK you have additional rights gained from the consumer credit act, however the rest of the chargeback system is the same.

If you claim under the consumer credit act, the issuer does not always raise a chargeback with the retailer, in many cases they cannot. The main reasons for a chargeback will be CNP fraud, non-arrival, price difference, non authorised transaction & card processed outside scheme rules. There are more but I won't bore you all with them.

The problem with all of these reasons for chargebacks there are some elements of proof required on both sides, for instance if a retailer proves he sent the items that sometimes can be enough to resist the chargeback request.

If you include a third party processor lick paypal, then your rights stop there, you have to claim from the processor not the issuer (in most cases).

never-in-doubt

I've had this issue in the past, basically you'll see that PayPal cannot stand by the seller, their own terms suggest this. Non-Tangible goods are not protected as the seller, to benefit from seller protection, must send tangible goods. Digital delivery is non-tangible so tell PayPal you want a refund and if they refuse do what I did and claim using small claims.

See here: http://pages.ebay.co.uk/paypal/trade_safely/

In particular:

Criteria for PayPal Seller Protection

1. Have a Verified Business or Premier Account
2. Post the item to the address shown on the Transaction Details page.
3. Post in a timely manner
4. Retain reasonable proof of postage that can be tracked
5. Require a signature receipt for valuable items (£150 or more)
6. Send tangible goods
7. Accept complete payments from a single PayPal account
8. Agree not to surcharge the buyer
9. Respond to all PayPal enquiries in a timely manner

Find out more about PayPal Seller Protection.