section 75 and debit cards

YorkshireBoy

spaddywaddy wrote: »

I was about 1 week off the 120 days before i submitted.

I'm a little confused. In your OP you said you notified them "within 60 days", yet now you're saying it was over 110 days? Which is it?

How far down the HSBC 8 week complaint process are you now?

spaddywaddy

YorkshireBoy wrote: »

I'm a little confused. In your OP you said you notified them "within 60 days", yet now you're saying it was over 110 days? Which is it?

How far down the HSBC 8 week complaint process are you now?

Sorry i said 60 days because i thought that was the time limit, but apparently not.

HSBC have rejected my claim and i havent yet complained becuase i wanted to firm up the time limit. I also have a section 75 in progress with Tesco bank becuase i made payment with credit card as well.

dalesrider

spaddywaddy wrote: »

HSBC have rejected my claim and i havent yet complained becuase i wanted to firm up the time limit. I also have a section 75 in progress with Tesco bank becuase i made payment with credit card as well.

HSBC have to submit the claim to visa/mastercard within 120 days. It makes no diffrence if you contacted them prior to this. They have to have all your paperwork in place to submit within the 120 day limit. Failure to do so will mean no chargeback right.
Sadly you should have acted faster to ensure that the paperwork got there well witnin time. As you case would require someone to look through all the paperwork to see if they could c/b.

Not even worth taking a complaint to FOS against HSBC as they chased you as they had not recieved your paperwork in time.

Lucky you were out of time as doing a chargback and a s75 could have resulted in a nasty shock when HSBC & Tesco found out.....

spaddywaddy

the point is they did recieve all paperwork on time, becuase i sent the report along with the copy of my letter to the garage! I would not have left the garages report out as this was the basis of my claim. It seems very unfair to state 120 days time limit, if it takes the card issuer 121 days to get their act together the consumer loses out.

Surely its from the date you raise the issue with the card issuer.

At the end of the day i got aknowledgement they had recieved my corrospondance and were looking into my claim which was before the 120 day limit.

dazza.mk

120 days wouldn't be HSBC's deadline, but VISA's, so you could complain that it wasn't processed in time if the delay was down to them.

However as dalesrider pointed out you could have ended up with a headache further down the line if you were running a chargeback via HSBC & a Section 75 claim via Tesco in parallel.

dalesrider

spaddywaddy wrote: »

Surely its from the date you raise the issue with the card issuer.

At the end of the day i got aknowledgement they had recieved my corrospondance and were looking into my claim which was before the 120 day limit.

No the time limit is a Visa set one and runs from the date of debit, as a rule.
Once you paperwork is recieved. It has to be assesed by someone to see if there is enough info to take if forward. This then has to be sent to visa via their system. There are no short cuts to being able to action a chargeback. Get it wrong and there is no comeback.

TBH. From the info you provided a chargeback would be destined to failure and you would have been better pursuing the S75 claim.
All the garage has to say is they were trying to locate the fault and it was a trial and error basis.

You have to remember that someone has to action the chargeback, and HSBC will have many on the go at anyone time. At the end of the day. It is your fault that you waited untill the last few days.