Bank Chargeback

s4harris

So contacted Barclays yesterday to do chargeback from Virgin Atlantic who cancelled my flights from Gatwick on 25 June. I received money back today (next day) moneysavingexpert website says they have 45days to clawback option.. called barclays and they are saying no money is in your account (debit account) so you are all good. Who do I listen to or are barclays bank getting this wrong.

bradders1983

Yes it sounds like the latter, they have 45 days to appeal it 

eskbanker

Merchants do indeed have 45 days in which to challenge a chargeback, and if they do so successfully, it wouldn't make any difference if you'd shifted the refunded money out of your account (if that's what you're meaning), you'd still owe them the money back....

sharpe106

Not sure why Barclays would say that. If they claw the money back and it is not there they are likely to go oh ok and forget about it. 

nilanteh

Def don’t use it. I did a chargeback for a holiday I booked through destination2 which was cancelled because of the pandemic. They’ve been impossible to contact. Have not offered a refund and sent a refund credit note despite me saying I didn’t want it. They have disputed the charge back and I’m now having to justify why they shouldn’t claw the money back. It’s bizarre. Why should I have to keep paying for a holiday on a credit card that I didn’t get to take. They’ve been just awful

eskbanker

nilanteh said:

They have disputed the charge back and I’m now having to justify why they shouldn’t claw the money back. It’s bizarre. Why should I have to keep paying for a holiday on a credit card that I didn’t get to take. They’ve been just awful

Chargeback is a useful facility but it's certainly not a universal panacea, and if a supplier is refusing to refund, then it's often not a surprise that they'll dispute a chargeback.  When initiating the chargeback you're telling your side of the story to the bank and they effectively say that while they get the other side of the story they'll provisionally let you have use of the money - obviously in many cases it won't be cut and dried and so further dialogue may be needed to support the decision the bank has to make, which is a good thing when compared with banks choosing to believe the supplier without further discussion.

If the chargeback claim is properly constructed and stands or falls on whether or not the service was delivered, then it should obviously succeed if it's a matter of objective fact that the service didn't happen....