Refund dispute

George_Michael

Originally Posted by Gordikin
Where does it say on s75 that an independant report is a requirement of Mastercard/Visa in relation to the chargeback system?

It doesn't, but that is for the simple reason that a chargeback is not a Section 75 claim and they are 2 entirely different things.
When you request a chargeback, the card issuer doesn't legally have to do this, so they are free to make any reasonable T&C's that they wish.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/3/plastic-cards.htm

There is no express contractual obligation imposed on a card issuer to exercise chargeback rights on behalf of an account-holder. However, industry acceptance of the custom of processing all disputed transactions as chargebacks, where a chargeback right exists, is so common that the ombudsman has determined that it is good practice to chargeback.

gnaril

Thanks Mr Michael - saved me the bother having to reply to the post.