Nationwide have refused my chargeback claim?

Alice_Walker

glentoran99 wrote: »

Chargeback is voluntarily though, it cant be enforced on the bank

The post is from April? Hopefully OP has sorted their problem by now

agrinnall

Alice_Walker wrote: »

The post is from April? Hopefully OP has sorted their problem by now

Although the OP has started a new thread today on the same subject on the Credit Card board, so I guess it's not sorted.

Forwandert

Odd thing is the new thread has completely different reasons for the chargeback.

[Deleted User]

I think this thread was initially bumped by someone following the link to here from the new thread.

Forwandert wrote: »

Odd thing is the new thread has completely different reasons for the chargeback.

That is.. interesting.

https://forums.moneysavingexpert.com/discussion/comment/71095387#Comment_71095387

[Deleted User]

Forwandert wrote: »

Odd thing is the new thread has completely different reasons for the chargeback.

He explains it here,,

boilingpoint wrote: »

Anyway someone on that thread says my reasons for the chargeback are different in that thread - but it isn't. I talk about the advert being misdescribed etc (which is true) but I'm just being more candid here about the fact that I'd already made the wrong decision to buy the van anyway...

https://forums.moneysavingexpert.com/discussion/comment/71095387#Comment_71095387

wealdroam

glentoran99 wrote: »

Chargeback is voluntarily though, it cant be enforced on the bank

I don't think that 'voluntary' is quite the right word.
Or to put it more strongly, chargeback is definitely not voluntary.

As is explained in MSE's Chargeback article:

Chargeback is nowhere near as strong as Section 75 for credit card purchases. The key difference is that when you complain under Section 75, the credit card company itself is legally liable. With chargeback it's just about the Visa/Mastercard/Amex process, and that's nowhere near as weighty. It's also the case that you can't take the issue to court if your bank won't pay.

The Financial Ombudsman Service will insist the bank plays fair.
I.e. that the bank honours the terms of the their chargeback offering.

glentoran99

wealdroam wrote: »

I don't think that 'voluntary' is quite the right word.
Or to put it more strongly, chargeback is definitely not voluntary.

As is explained in MSE's Chargeback article:


The Financial Ombudsman Service will insist the bank plays fair.
I.e. that the bank honours the terms of the their chargeback offering.

Sorry what I meant was its not enshrined in law unlike section 75