Chargeback - what can a company do after 45 days/case has closed?

Monkeysockz

Can a company get their money back 45 days after chargeback case was closed? Also can they do this legally?

I ask because a company in Germany keep emailing me directly asking for the money back even though the chargeback was logged through my credit card provider and after waiting 45 days with no response and my hard evidence, my credit card provider decided in my favour and closed the case. But after more than two months the company in Germany keep emailing me directly for some reason well their finance/account team do, I know right!!!?
I told them that my credit card provider has sorted the matter out through chargeback and to email them if they still have any questions. But they keep emailing me so I finally surmised of what happened and my credit card provider initiated the chargeback and had 45 days to dispute the transaction, etc etc and that I will now block their email address from future correspondence.
I suppose I'm just slightly worried what can they do next if anything?

Can anyone shed some light on this matter?

Thank you
M.A

[Deleted User]

Yes, they can continue to chase for payment.

The chargeback doesn't change whether a debt is owed or not. It just means it hasn't been paid via the card.

Ultimately it would be decided in court if it got that far.

Blocking their emails removes your ability to know what action they are taking, meaning you would lose by default.

Monkeysockz

How do you know this? Also what am suppose to do? Should I ask my credit card provider to now action it through section 75 which is legally binding?

chanz4

You have dishonoured your payment method, contract of sale is with you. They have the option of now taking legal action against your, all contact is with you not your cc. What was it goods or service?

Monkeysockz

It was for goods that I have returned and have valid confirmation that it has been returned but they are now saying that's not the case.

[Deleted User]

Monkeysockz said:

How do you know this? Also what am suppose to do? Should I ask my credit card provider to now action it through section 75 which is legally binding?

Because that's the nature of the law, not to mention common sense.

Section 75 would be no more legally binding if the company has provided something which has not been paid for. 

Send them the evidence that the goods were returned.

Monkeysockz

Just an update the company has now finally confirmed that the balance is £0 and I have legally followed mastercard rules and regulations to win my case. They won't be taking this further. They have email me today. Thank god. Praise the Lord lol

chanz4

good outcome

born_again

Monkeysockz said:

How do you know this? Also what am suppose to do? Should I ask my credit card provider to now action it through section 75 which is legally binding?

If they have actioned a chargeback and won, even if by default as retailer never responded (many do not know they can). They can take you to court to claim the funds. If they feel they are owed the money.
S75 won't help now. Card provider will say. You got your money back. What the retailer now does is up to them.

One reason we have to give a disclaimer on any action taken. Stating that even if we win, the retailer can still take any action they seem fit to reclaim the funds if they feel they are owed them.

Life__Goes__On

born_again said:

They can take you to court to claim the funds. If they feel they are owed the money.

Do  you know if has happened much?

born_again

Life__Goes__On said:

born_again said:

They can take you to court to claim the funds. If they feel they are owed the money.

Do  you know if has happened much?

Have seen it a few times. Usually it is car hire companies.