Visa/Mastercard Chargeback article discussion

Clowance

suggest you send a "letter before action", wait for how ever long it says, I think 14 days, and then commence legal action via money claim online. It cost us £70 which you get back if you win (our flight was with Virgin Atlantic). Have a read of this
https://forums.moneysavingexpert.com/discussion/6033465/letter-before-action-template-required

Browntoa

For those of you who keep asking about covid19 related claims there is a dedicated area of the forum with better advice in those circumstances

https://forums.moneysavingexpert.com/categories/travel-chaos-help-info

klb69

Some advice please,  I purchased a summerhouse for just under 2500.  We put it together and it was so flimsy we had to put tongue and grove on the floor and walls to strengthen it at a cost of £500.  2 of the windows were cracked when it arrived and had to return them only for them to send more cracked windows.  Finally got a replacement.  Now some of the wood at the side has started to warp leaving large gaps.  The supplier said this is normal but it shouldn't leave gaps that big as now the rain is getting in. The sides were supplied as a whole panel but they have offered to replace just the wood that is warped but I don't want to accept that. I want to claim under section 75 for faulty goods but will they expect the summerhouse back.  We have spent so much extra making it useable and added lighting and a bar inside I don't want to pull it down.  I originally asked for a partial refund which they refused.

yvetteseptember

Hi, I'm french citizen, I engaged french bank to request charge back from LastMinute for a combined travel package paid, but cancelled and never executed in May 2020 and never paid back by LastMinute. French bank company rejected to perform charge back. (Credit Agricole/ Mastercard). Is there a way for charge back to be requested from Credit Agricole abroad ? 

GDMorse

Has anyone had any success with credit card charge back relating to flights where FCO travel advice was in place for 'essential travel only' but flight went ahead regardless and not cancelled please? Initially Amex refunded my transactions with Ryan Air pending investigations but these have now been re debited to my account following evidence provided by Ryan Air that flight was available. CAA passenger data in August 2020 for my route showed 1300 passengers compared with 13,000 in 2019 suggesting all the flights were pretty empty but by continuing to fly I guess it allowed Ryan Air to keep the fares. Thanks.

suzannad22

Not sure if anyone will have the answer.... I submitted a chargeback through my credit card company, the money was credited to my account within days, 45 days passed (MasterCard) and I spoke with my cc company on day 46 to double check all was well and the money was mine for the keeping, I was told it most certainly was and that the holiday company couldn’t raise a claim now as the 45 days had passed. I’ve just checked my cc account this evening and they’ve done a reversal of the charge back after 57 days? Does anybody know where I stand on this as with MasterCard they only have 45 days to dispute it?
I would be most grateful for any input on this?
Thank you 

Hunt778977

I had a problem regarding a purchase online back end of December, what I've received it was not what I expected and I made clear my intentions to send back the items.
One of the items was with left with a thread that would considerably made my change of mind instantly.
I had emailed the costumer service and ive waited 3 weeks and no reply which made me look into their returns and refunds policy and realised they were very specific to a non return policie if the item was used , which I stupidity did but with the second item which appeared fine. 
I would without any fear even say those were underwear items priced almost £25 for each one.
Because I was so angry at myself and to the fact I have never received a reply from the store I initiated a chargeback claim and can you guess what ? 
Exactly the seller instantly bloqued my online account and wrote to me a email rather defamatory calling me a liar and a fraudster because I was the only client ever that had a problem with and after all harassment said it would go further with legal court claim if I didn't pay him back
I swear I would like to go as low in my reply to his email but I need some advice in what to do

Hunt778977

Hunt778977 said:

I had a problem regarding a purchase online back end of December, what I've received it was not what I expected and I made clear my intentions to send back the items.
One of the items was with left with a thread that would considerably made my change of mind instantly.
I had emailed the costumer service and ive waited 3 weeks and no reply which made me look into their returns and refunds policy and realised they were very specific to a non return policie if the item was used , which I stupidity did but with the second item which appeared fine. 
I would without any fear even say those were underwear items priced almost £25 for each one.
Because I was so angry at myself and to the fact I have never received a reply from the store I initiated a chargeback claim and can you guess what ? 
Exactly the seller instantly bloqued my online account and wrote to me a email rather defamatory calling me a liar and a fraudster because I was the only client ever that had a problem with and after all harassment said it would go further with legal court claim if I didn't pay him back
I swear I would like to go as low in my reply to his email but I need some advice in what to do

replying to myself, Ive just dropped the chargeback, too intense and took me over the edge ,my autism doesn't help neither

dan10k

I bought tickets to an event in Belgium back in March 2021. The event was originally meant to take place on 10-11 July 2022, but due to COVID was postponed a couple of times.

The last postponement put it back to 23-24 September 2023, which would be fine but for the fact that the company entered radio silence and hasn’t updated their website or any socials since March 2023. They have blocked off all forms of communication including being able to login to accounts on their website, and they have disabled commenting on their social media pages. To make matters more suspicious a fellow attendee has supposedly had word from the venue that there is no booking for the event for the weekend in question.

I’ve tried to find out if the company has declared insolvency but there appears to be no indication of this (I believe they are a Spanish-registered company).

I have called my bank as I no longer feel confident that the event is going to go ahead and I was concerned with how long had passed since purchasing the ticket. I also have no desire to book flights/accommodation at the very real risk of the event not taking place. The bank at first indicated I should be okay given that the event booking was so far in the future, but after speaking to a second agent I was told that the 540 day chargeback period was definitive from the date of the transaction. This I can see on the MSE website, but the page also suggests that:

“Visa and Mastercard have confirmed that in the case of future-dated items, such as airline tickets or sport matches, the 120 day time limit begins once you were due to receive the goods or service.”

As I see it, the event itself is the goods/service, and that date has not yet passed. The fact that COVID delayed the event is not my fault and I was surprised to hear that no allowances were being made for chargeback timescales due to it.

The sympathetic gentleman at my bank suggested contacting Trading Standards, but I’m not sure how much they will be able to help with the transaction sitting with an overseas company. Unless my bank are misadvising me and the above quotation takes precedent over the 540 day time limit?

Can anyone provide advice?

Many thanks,
Dan