nationwide visa chargeback dispute

be96erj

Does anyone have a link to the UK Visa chargeback policy?

I am trying to do a chargeback on my visa debit card and Nationwide are dragging their heels, stating that I am out of time (120 days). However it is my understanding that if a service/goods is purchased in the future then there is a 540 day limit to claim. Also, the 120 day limit can start on the day that the problem is known about.

Its a bit confusing cos MSE states that the 540 day limit can be used if there is services are brought for a future date e.g. concert tickets.

Which? states that the 120 day time limit starts from the day the problem is recognised, upto a max of 540 days.

Who is right?

agrinnall

Here's some reading for you.

http://ec.europa.eu/consumers/ecc/docs/chargeback_report_en.pdf

https://usa.visa.com/dam/VCOM/download/merchants/chargeback-management-guidelines-for-visa-merchants.pdf

be96erj

anyone else?

Does the 120 day limit start on the day of the transaction or on the day the problem is noticed?

jonesMUFCforever

What is the dispute about?

be96erj

paid in advance for a garage, driveway and patio to be done for me, the work was never done by the builder.:mad:

jonesMUFCforever

be96erj wrote: »

paid in advance for a garage, driveway and patio to be done for me, the work was never done by the builder.:mad:

You have a signed contract?
Has he given a reason for not doing the work - did you pay him directly (ie no break in creditor/debtor link?) - is he sole trader or limited company?

If they claim you are out of time for a chargeback why not use S75 of the CCA?
As long as the total cost was between £100 and £30k you may have a claim.

be96erj

Yep, I have a signed contract with the limited company. I paid him directly via google wallet.

the reason I cant use s75 is cos I used a debit card

jonesMUFCforever

It was going so well with this being a credit card thread.

If the links provided by agrinnall do not provide you with any hope then you can ask for a deadlock letter and go to to FOS for free.

You then can sue the company if you are not happy with their decision.
This will be at your own cost and what are the chances of the company being made inolvent as soon as the summons hits the mat?

I suppose you have asked for your money back?

eskbanker

jonesMUFCforever wrote: »

You then can sue the company if you are not happy with their decision.
This will be at your own cost and what are the chances of the company being made inolvent as soon as the summons hits the mat?

I suppose you have asked for your money back?

Unless OP is particularly unlucky with multiple failing builders, the company has already gone out of business:

be96erj wrote: »

I recently paid my builder to do some work for me, and by paying £100 deposit on my credit card. He did not complete the work as he went out of business, so I am now pursuing a s75 claim to get the rest of the work done.

chattychappy

be96erj wrote: »

Yep, I have a signed contract with the limited company. I paid him directly via google wallet.

the reason I cant use s75 is cos I used a debit card

Just to double check, were you running an overdraft at the time?

be96erj

no I wasnt running an overdraft.