Section 75 question

born_again

mpet said:

I’m not sure, and I understand it can be reversed, if the company supply evidence that it’s not valid (although the company no longer exists as it has been sold, so unlikely).  But would it not have been rejected initially by Santander if it was not a valid claim?

Chargebacks are taken on face value that the customer is telling the truth. Proof maybe need in certain cases.
It is then down to the retailer if they wish to contest. Some do and you may end up redebited, or Santander may come back asking for further info to pre-arb (go back and contest through Visa/Mastercard who will make a judgement)
If they do not contest and they feel they have been scammed (for want of a better phrase only) they do have the right to chase the debt via other means. Car hire co's are very good at that....

>>> so it appears they agree there was a link and the claim was valid.<<<
If it was a chargeback it does not prove a link, merely that the company have not provided the service. Only S75 requires a debtor creditor link.