Section 75 Refused by Natwest on

Life__Goes__On

It can't be Chargeback or S75  it can be Chargeback & S75, or just a S75

Anna_Belle

Don't quite understand. Filed S75 first but taken down Chargeback route instead. Can a bank do this? (Merchant's challenge to Chargeback failed but I haven't received my money. Bank has lodged a 2nd Chargeback - why would they do this?). How can it be both Chargeback and S75?

Life__Goes__On

Anna_Belle said:

Don't quite understand. Filed S75 first but taken down Chargeback route instead. Can a bank do this? (Merchant's challenge to Chargeback failed but I haven't received my money. Bank has lodged a 2nd Chargeback - why would they do this?). How can it be both Chargeback and S75?

EDIT (thanks to eskbanker.

You need your own thread, and when  done give fuller details.

eskbanker

Life__Goes__On said:

Anna_Belle said:

Don't quite understand. Filed S75 first but taken down Chargeback route instead. Can a bank do this? (Merchant's challenge to Chargeback failed but I haven't received my money. Bank has lodged a 2nd Chargeback - why would they do this?). How can it be both Chargeback and S75?

If as you stated in your OP you paid £3000 by bank transfer  and £50 by credit card
You can't do either a Chargeback or S75 on a bank transfer,   only on a credit card ,  and  just a Chargeback on a debit card.

So a Chargeback would only get £50 back,  but a S75 should get the full amount back.
But they could do a Chargeback for the £50,  and the £3000 on a Section 75.

Anna_Belle isn't the OP on this thread....

born_again

Anna_Belle said:

Don't quite understand. Filed S75 first but taken down Chargeback route instead. Can a bank do this? (Merchant's challenge to Chargeback failed but I haven't received my money. Bank has lodged a 2nd Chargeback - why would they do this?). How can it be both Chargeback and S75?

This is the 5th thread of someone elses you have posted in, in relation to your issue. 
They can. How a dispute is dealt with is up to the bank. You can not force S75 where chargeback options are available. You just have to go with the advice given. If the chargeback fails, then they will look at S75.