Beware of foreign outlets selecting to pay in £ rather than the local currency

System

You have proof of this difficulty?

Vortigern wrote: »

Difficult to do a chargeback when it's your word against theirs, and the printed receipt says the cardholder has consented to dynamic currency conversion.

grumbler

What proof do you expect?
Yes, you can do chargeback, but if the seller has his proof, chargeback will be reversed. And the customer would have no proofs in this case.

chattychappy

It is actually for the CC to prove that a cardholder authorised a particular transaction rather than for the cardholder to prove he didn't. I can see that if the records show the cardholder consented, it could be tricky.

I would be interested if anyone here has actually disputed (successfully or otherwise) a DCC transaction.

All we need is for some ruling that this practice is unfair (perhaps via EU regs) and a whole new industry will be born just as PPI is fizzling out.

Biggles

chattychappy wrote: »

I would be interested if anyone here has actually disputed (successfully or otherwise) a DCC transaction.

Eighteen months ago, I found Firefly Car Hire had done a DCC on the bill after I had left their office. Despite having no documentary evidence (the papers were probably left in the car), Nationwide stumped up the difference when I made a complaint. Top marks to them.

zagfles

I've heard of a few people successfully getting a chargeback for DCC. There's even a specific chargeback code, 76. See http://chargebacktech.eu/knowledge-base/visa-chargeback-reason-code-76/

fifeken

chattychappy wrote: »

I would be interested if anyone here has actually disputed (successfully or otherwise) a DCC transaction.

I disputed one several years ago with Nationwide. I was reimbursed the difference but think this was Nationwide fixing things themselves rather than dealing with the supplier.

I'm just about to start another one with Halifax from a purchase on Sunday where I wasn't offered the choice of currency.

tzimmerman

I have disputed all 3 transactions, and will continue to do so, until it is addressed. (it appears the only way to get the banks to take note. Although its only about 3% lost, its the principle and the time it takes them to deal with the chargeback may make them sort it)

Vortigern

Vortigern wrote: »

Difficult to do a chargeback when it's your word against theirs, and the printed receipt says the cardholder has consented to dynamic currency conversion.

Heng_Leng wrote: »

You have proof of this difficulty?

No proof. I should have said "I imagine it's difficult etc..."

It's good to see people reporting successful chargebacks, and that Nationwide seem to do very well with disputed DCC.

System

Therefore just pure speculation on your part.

Whenever I've requested a chargeback (for other reasons) my card issuers have always been helpful.

Vortigern wrote: »

No proof. I should have said "I imagine it's difficult etc..."

It's good to see people reporting successful chargebacks, and that Nationwide seem to do very well with disputed DCC.

chattychappy

Heng_Leng wrote: »

Whenever I've requested a chargeback (for other reasons) my card issuers have always been helpful.

That has been my experience too - on the rare occasions I've personally contacted a CC and historically as a merchant (where they always seeemed to "side" with the cardholder).