Chargeback/Section 75

harsh_but_fair

Probably the best advice anyone can give you is to be patient and await the outcome

if you are not satisfied with what your card provider has done then raise a complaint with them.

born_again

Anna_Belle said:

My problem is that I filed a Section 75, but credit card provider has lumped it in with chargeback, saying both are the same, which isn't correct. Airline Emirates, challenged chargeback. Bank found the challenge invalid. The airline didn't address the issue. (The service was not provided Mastercard Reason Code 4855 and the airline couldn't prove it was, as they cancelled all flights). I thought I should get my refund then, as the airline failed in their challenge.  Instead, Sainsbury's Bank filed a second chargeback, (pre-arbitration), with new evidence they say, but don't say what that is, and filed it without consulting me. I tell them none of this should be my problem I filed a Section 75, which means they are jointly and severally liable.  Anyone help please.

You already have a thread running in the Credit Card section.
As someone who works in this area. A chargeback is quicker for all parties. Yes, the company can contest. The pre-arbitration (as far as we go) is done automatically without any customer input, unless we require further info. 
If that then fails then S75 is the next step.
As a guide S75 means the card provider gives you the money. Now as you can guess if there are other options they will be used. As a customer how it is handled in the background starting with a chargeback should see no difference to you, as a customer.

kuepper

I asked for Chargeback from Co-op /Visa on a cancelled holiday on Friday morning, the money was in my account later that day. Co-op said they reimburse first and debit again later if there's a successful challenge within 45 days.