Debit Card Chargebacks - Urgent Help

Melly31

Check this case senario copied from financial ombudsman website, hope it helps?

28/13
credit card – card wrongly debited – firm says customer took too long to notify it of the error
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]When Mr G was completing his tax return he discovered that, nearly a year earlier, his credit card had been debited with transactions he had no knowledge of – totalling £1,000. [/SIZE][/FONT]
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]He contacted the firm and it agreed that he had probably been the victim of fraud. However, it noted that Mr G had taken a very long time to spot the transactions and it said it was now too late, under the rules of the credit card scheme, for it to ‘charge back’ the transactions. So it told Mr G that he would have to bear the loss himself. Dissatisfied with this response, Mr G brought his complaint to us. [/SIZE][/FONT]
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]complaint upheld[/SIZE][/FONT]
[SIZE=-1][FONT=Verdana, Arial, Helvetica, sans-serif]Mr G, who was self-employed, told us that he had not spotted the fraudulent transactions earlier because he received his statements quarterly and did not check them in detail until he completed his tax return. [/FONT][/SIZE]
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]We thought this was a reasonable explanation. And since Mr G was unaware of the rules of the credit card scheme, he could not be expected to be aware of, or to comply with, any timescales they might impose.[/SIZE][/FONT]
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]The firm agreed to refund Mr G with the value of the disputed transactions. [/SIZE][/FONT]

Mel.

Melly31

ps debit cards with the VISA logo offer the same protection as credit cards with the VISA logo.

NickX

Melly31 wrote: »

ps debit cards with the VISA logo offer the same protection as credit cards with the VISA logo.

I'm not sure that this is correct, because Debit Cards do not benefit from the protection set out in Section 75 if the Consumer Credit Act.

Best advise is always use a Credit Card to get maximum protection.

jonesMUFCforever

Melly31 wrote: »

ps debit cards with the VISA logo offer the same protection as credit cards with the VISA logo.

Nick I 'll go further than that.
They do not provide the same cover as you get under section 75 of CCA on a debit card as you do on a credit one.

M_Thomson

jonesMUFCforever wrote: »

Nick I 'll go further than that.
They do not provide the same cover as you get under section 75 of CCA on a debit card as you do on a credit one.

Unless when you use the card, you use an overdraft. In which case you are covered by section 75 as you are using credit.