Do you get protection paying by debit card??

JOBEN

Hi Guys
dont know if this is in the right place, but if you pay by debit card, do you get the same protection as you do by credit card?

I want to buy some park tickets for Orlando :j but dont want to pay the 2% credit card fee

thanks in advance for any replies
Jo

opinions4u

No.

Google Visa chargeback for one form of debit card protection but it's not the same as Section 75.

Pay £1 by credit card and the balance by debit card. If the total cost exceeds £100 your credit card protection is the same as it would be if you had paid the full price by credit card.

meer53

You do get protection when paying by Visa Debit. You won't get Section 75, but if your tickets don't turn up, you are protected by Visa Debit Chargeback rights. Speak to your card issuer.
I always buy mine from Undercover Tourist, never had a problem.

jonesMUFCforever

meer53 wrote: »

You do get protection when paying by Visa Debit. You won't get Section 75, but if your tickets don't turn up, you are protected by Visa Debit Chargeback rights. Speak to your card issuer.
I always buy mine from Undercover Tourist, never had a problem.

I would suggest then that you have been lucky.
I would always advise to pay for most goods and services by credit card as S75 cover is more comprehensive and in law.
Visa chargeback is not - if a company goes bust your chance of getting chargeback by law is very slim indeed.

meer53

I work in the disputes department of a bank ! If a company goes bust, a Visa chargeback for non receipt of goods will usually be successful.

YorkshireBoy

meer53 wrote: »

I work in the disputes department of a bank ! If a company goes bust, a Visa chargeback for non receipt of goods will usually be successful.

Could you give an example or two of where companies have gone bust and you've found it to be unsuccessful.

meer53

YorkshireBoy wrote: »

Could you give an example or two of where companies have gone bust and you've found it to be unsuccessful.

Not without looking through the thousands of cases in the filing cabinets at work ! The majority are successful, when we action a chargeback we send proof of the liquidators/administrators documents to back up our claim along with a declaration from our customer. If a customer has waited too long for the goods and we are out of time for the chargeback then we sometimes struggle, but we will still attempt it if we can prove that our customer has recently been attempting to resolve the issue with the retailer.
Most non receipt chargebacks can be actioned whilst the customer is on the phone, without any documents, but in cases where retailers have gone bust, it's best to be able to back up what we're saying with proof.
If you're spending a large amount then i agree it's best to use a Visa Credit Card.
Out of curiosity, why are you asking ?

YorkshireBoy

meer53 wrote: »

Out of curiosity, why are you asking ?

Just that...curiosity.

I've never used chargeback, but I understand it's not enshrined in law like section 75 is. I mean, anything you do for the customer is down to goodwill isn't it? And of course the amount in dispute? I wouldn't have thought you'd expend many staff hours on a dispute when you don't 'have to'.

When firms go bust aren't the customers generally the last in a long line of creditors? If that's the case I'd have expected more unsuccessful chargeback claims in such cases, especially where companies are not ressurrected. You seem to suggest it's the opposite?

meer53

YorkshireBoy wrote: »

Just that...curiosity.

I've never used chargeback, but I understand it's not enshrined in law like section 75 is. I mean, anything you do for the customer is down to goodwill isn't it? And of course the amount in dispute? I wouldn't have thought you'd expend many staff hours on a dispute when you don't 'have to'.

When firms go bust aren't the customers generally the last in a long line of creditors? If that's the case I'd have expected more unsuccessful chargeback claims in such cases, especially where companies are not ressurrected. You seem to suggest it's the opposite?

You're right, it's not "enshrined in law" but the customer is still protected by Visa International Regulations regarding chargeback rights. The bank i work for disputes anything over £20, anything less we will write off as a gesture of goodwill, if we're out of time and the customer has been a bit lax in coming to us then we would assess whether the goodwill refund should be made. The customers are always at the bottom of the list of creditors as you point out, we don't take that into account, if you've paid for goods you haven't received then you should be reimbursed, the chargeback amount will just be added to that retailers debt.