Rattan Furniture

YorkshireBoy

dalesrider wrote: »

No it does not....

120 days starts from the date of debit. Or the date the product/service was provided.
With a maximum of 540 from date of debit.

I was hoping you'd be along to clarify.

However, whilst I (now) take your point about the overall 540 day cut off, your "from the date of debit" statement seems at odds with the information on the Which? website (and others I've checked). For example, Which? clearly state...

There is a time limit on chargeback claims - typically 120 days - which starts from the day you become aware of a problem. There is also an overall cut off point of 540 days for Visa chargeback. Therefore, your deadline for requesting a chargeback is 120 days from discovering you have a problem, or 540 days from the transaction date, whichever comes first.

http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback/

A typo on your part? Or is the Which? website wrong?

dalesrider

YorkshireBoy wrote: »

I was hoping you'd be along to clarify.

However, whilst I (now) take your point about the overall 540 day cut off, your "from the date of debit" statement seems at odds with the information on the Which? website (and others I've checked). For example, Which? clearly state...A typo on your part? Or is the Which? website wrong?

Hate to say this. But Which have it wrong.
Now I work with Visa.

But this from MasterCard Regs...

Time Frame for First Chargeback



The time frames for the first chargeback are 45, 60, 90, 120, and 540 calendar

days after the Central Site Business Date, depending on the individual reason

for the chargeback. GCMS measures this time limit from the Central Site

Business Date of the presentment.

For certain chargeback reasons, the time frame may be calculated from a day

other than the Central Site Business Date. The message reason codes in Section

3, MasterCard Message Reason Codes—Dual Message System Transactions

detail these exceptions.

When delayed delivery of goods or performance of services by a card acceptor

results in a subsequent dispute about the condition of the goods or the quality

of the services, MasterCard will calculate the period of 120 days using the

delivery or performance date.

In cases that involve the delayed delivery of goods or performance of services

that the cardholder asserts the card acceptor never provided, MasterCard will

calculate the period of 120 days from the latest anticipated date that the card

acceptor was to provide the goods or services.

CBS date is a date within the transaction. If its anything like Visa's its one day after the Authorisation placed by the retailer.

For anyone that fancies a bit of light reading