Complaint for Visa and Halifax

Armorica

Terry_Towelling wrote: »

The plastic card providers also have their own rules to handle disputes between retailers and buyers in certain situations no matter how much the cost of the item and irrespective of the CCA. These rules are maintained by Visa, MasterCard etc. Most of the banks who issue cards under these brands have a say in how those rules work so it is not correct of Halifax (or any card provider) to blame Visa or MasterCard if they can't help because those banks will have had the chance to devise, write and approve those dispute rules.

Hmmm. Within reason. Visa and MasterCard are global brands with only some regional differences.

MasterCard ceased to be controlled by the banks in 2006, and Visa Europe in 2016. They have input - but they no longer devise, write and approve the dispute rules compared to say 10 or 20 years ago.

Terry_Towelling

Armorica wrote: »

Hmmm. Within reason. Visa and MasterCard are global brands with only some regional differences.

MasterCard ceased to be controlled by the banks in 2006, and Visa Europe in 2016. They have input - but they no longer devise, write and approve the dispute rules compared to say 10 or 20 years ago.

I have admitted in other threads/posts that my cards knowledge is now 13 years out of date and I have no idea how current your knowledge is but it seems more so than mine. That said, are you now sure that the member banks of the two payment schemes are not consulted for their views on rules changes or the language that is used in their construction and that they are no longer required to vote on rule changes at Board level (be that UK, Regional or Inter-regional)?

In the good old days a range of qualified member banks were always consulted - not that our views were always accommodated - and once principles were agreed, the relevant Board would vote to approve those principles. Language to back up those principles would then be created and the same range of member banks would have input if anything was wrong or open to incorrect interpretation etc. After that the appropriate Board would vote the changes through.

Does this no longer happen?