Clarity Credit Card Dispute-Back on Statement

MrsBSaver

Hi, I raised a credit card dispute with Halifax back in November 18 where they wrote to me a letter stating they would investigate my claim and contact me when the dispute was resolved.
I have just logged back into my account and realised they re-applied the charge back onto my account without notifying me nor providing any evidence from the vendor.
Having phoned them they are claiming they sent me emails, none of which I was aware of and that the case is now closed and there is nothing they can do
The services I paid for were not received and the company is claiming the services are non refundable-which is something they never mentioned plus the fact that it clearly says on their terms and conditions that if you are unable to attend the services are refundable! I bought this in Malaysia.

Halifax have said they need 3-5 working days to investigate this further. What else can I do as I have no intention of paying for something I haven’t received :mad::mad::mad:

[Deleted User]

Allow them to finish their investigations.

Then, if necessary, you can go to FOS.

18cc

Make sure that they understand that you are raising a formal complaint and allow them to investigate it

as above once you get a Deadlock letter you can go to the fos it is free and easy

eco_warrior

Being re-debited at this stage (6 months on) is very unusual but can happen. A dispute this old is likely been ruled on by Visa or MasterCard, assuming its not some sort of error/glitch.

Did they explain what their emails contained?

Chino

eco_warrior wrote: »

A dispute this old is likely been ruled on by Visa or MasterCard

I doubt very much that Visa or Mastercard would get involved.

It's far more likely that the merchant became aware of the chargeback and provided its payment processor with evidence that the chargeback was unjustified and the payment processor passed this evidence to Halifax.

eco_warrior

Assuming it’s a standard chargeback under one of the two schemes then after 6 months it’s beyond the stage you are talking about

Terry_Towelling

Chino wrote: »

I doubt very much that Visa or Mastercard would get involved.

It's far more likely that the merchant became aware of the chargeback and provided its payment processor with evidence that the chargeback was unjustified and the payment processor passed this evidence to Halifax.

If the system works anything like it used to (it was just changing from 2 bites at the chargeback cherry to just 1 when I left in 2005) then a six month gap would appear to indicate that the payment scheme (Visa/MasterCard) has indeed been asked to arbitrate in the dispute.

Reading between the lines of OP's narrative, it sounds like the services were available to OP but weren't received because OP couldn't attend and was expecting a refund. I'd see a chargeback as very unlikely to succeed in such a situation but we don't know what OP told Halifax in the original dispute.

Ben8282

MrsBSaver wrote: »

The services I paid for were not received and the company is claiming the services are non refundable-which is something they never mentioned plus the fact that it clearly says on their terms and conditions that if you are unable to attend the services are refundable! I bought this in Malaysia.

So you contracted to receive some 'services' in Malaysia and are claiming that the terms and conditions of the provider of these 'services' state that the services are refundable if you are unable to attend. Attend what? What is the nature of these 'services'? This would help us to form a better opinion as to their refundability. For example, were you required to cancel a certain period of time in advance?
Why exactly was the dispute raised with Halifax in the first place? Did you contact the provider and ask to cancel and be refunded and they refused the refund or ???