Visa Chargeback

Alex231

I brought a Nintendo Wii console and games back in March for £279.00 as a gift and only recently found out that the games are in fact fakes known as "backup games" and that Will has been chipped.
This has been confrimed by a few high game shops.


Ebay and Paypal are both unable to help in getting me my money back as the matter has past their 45 days deadlines.


I found out that you were buy somthing online and the item not as descrbed, I could do a Visa Chargeback. I went to my bank yeserday (10.05.11) but they didn't understand what a Visa Chargeback was then told me that I'm not covered as I paid through Paypal and to get Visa and Paypal to sort out the problem and then listed the event as fraud, which is not the case.


From what I have found online it doesn't matter how I paid as long I used a Visa debit card (Visa Electron) which I did and that it should be the bank that should kick things off on getting the money back from this ebay seller bank.


Any other useful help and/or advice on Visa Chargeback and what I should do now would be great.

hermum

I have tried looking for some info on chargebacks but I can't find anything, I am pretty sure that they only apply to credit card transactions & not debit card.

theonlywayisup

In my experience some visa companies will not entertain chargebacks when you use paypal. But have a read of this http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases and http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards

fifeken

hermum wrote: »

I have tried looking for some info on chargebacks but I can't find anything, I am pretty sure that they only apply to credit card transactions & not debit card.

The term chargeback is only applicable to debit card transactions. Credit card refunds come from EU (I think) law.

CC providers often decline to intervene as the payment is to Paypal and Paypal haven't done anything wrong. The same may apply to Debit Cards but no harm in trying. Here is a link to an old article with a bit of an explanation, including the fact that a lot of bank staff are not aware of the process.

http://news.bbc.co.uk/1/hi/programmes/working_lunch/4260806.stm

soolin

Full details here:

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

Near the bottom it discusses debt cards

Oliver14

You can charge back on VISA debit cards for payments over £100. As TOWIU says some companies won't charge back via Paypal as it's a third party payment. Also be warned if you do manage to chargeback you may lose your paypal account as Paypal don't like customers that do this.

macfly

If it has been professionally chipped, where's the problem? It will still play games you buy.

Debt_Free_Dreamer

I would view having a chipped Wii as an advantage. It means you can copy your mates games and play them.