Visa Debit Card Chargeback rules

hincyprus

I have had a claim rejected by Visa Debit as they say that there was not enough time within the 120 day claim period to investigate the claim.

I was under the impression that the 120 days was the period from finding out about a problem to being able to make a claim.

More time being allowed if it is an overseas transaction.

I cannot find the Visa Debit rules anywhere, other than those mentioned on the main Money Saving Expert site.

Does anyone have any answers please?

Howard

meer53

It's 120 days from the date of debit.

salau2

If it were tangible goods then I would argue that it would be from the date in which you receive the items but different providers appear to apply the different rules. If you are unhappy about how the provider of your Visa card has applied the chargeback rules then make a complaint in writing. Following an unacceptable reply or failure to reply then you may contact the Financial Ombudsman Service for further help on 0300 123 9 123.

hincyprus

Thank you both.....

I have made a complaint following their initial letter so we will see what happens and then take it from there.

Howard

meer53

What is your dispute about ?

hincyprus

meer53 wrote: »

What is your dispute about ?

I bought several articles from an auction house and had the items delivered to my sons house in the UK. (Internet bidding)

Talking to a particular collector of these items (Toy models) I had bought one that he wished to buy from me.

I asked my son to photograph the item so I could send them to the potential buyer.

I had only seen the auction house pictures and description.

When I saw the pictures from my son, it was obvious that the model was not the rare colour I expected but a fake.

I then sent the model to another expert in the field who confirmed my own thoughts...Fake.

I then attempted to reach the auction house only to find they had gone bust.

This was in late August and I claimed to Barclays on the 6th September. The auction was on the 16th March. I was then sent the paperwork from Barclays. (Post to Cyprus takes about 10 days as I only get a delivery 2 times per week.

Nevertheless my original communication to Barclays was within the 120 day limit. (From the transaction).

Howard

meer53

If the auction was in March and you contacted Barclays in September you are out of the 120 days timescale ? Can you confirm actual dates, ie, transaction dates etc ?

hincyprus

meer53 wrote: »

If the auction was in March and you contacted Barclays in September you are out of the 120 days timescale ? Can you confirm actual dates, ie, transaction dates etc ?

Sorry. The transaction was on 16th May and I found out company went bust in late August. Found the company's accountants who never replied to my Recorded Delivery letter but could not find the administrators.

Advised bank on 6th September having seen what if anything I could do by reading Martins' site.

This equals 113 days.

Howard

meer53

Your card issuer would have needed signed documentation from you if they were going to chargeback so they were possibly saying that by the time they got the documentation it would be out of time. Also, from what you have described, there isn't a chargeback which would apply in this case. The only one which would have possibly applied is "not as described" but for this to work you would have to have been able to provide proof that you had purchased genuine goods and received fake. You would need documents to prove that the goods were sold as genuine and documents proving the ones you received were fake. The timescale between you receiving the goods and the discovery would also go against you as any issues need to be dealt with fairly quickly after you receive them. The fact that they were delivered to your son in the UK and you are in Cyprus wouldn't be considered at all. Don't think theres anywhere else to go with this one i'm afraid