90 Day Limit to Claim

nulladave

Hi All,
I run a small online business and recently had an issue where a website fault resulted in an order being placed by a customer, but their card was not charged. I only found out about it a week ago long after the item had been dispatched. I've contacted the customer and explained what happened but unfortunately, they are refusing to allow me to re-submit the payment. I've heard that there is a 90 day period where I could have legally requested this money to be paid but since the order was placed before Xmas, this time has well and truly passed. Is anyone aware of this 90 day legal recourse? Am I able to demand this money be re-paid or have I passed the legal time limit to do this? It was only for a few hundred pounds but in these trying times, every penny counts.
TIA
Dave

[Deleted User]

You have six years to chase it up, but I would advise not leaving it that long.

user1977

nulladave said:

I've heard that there is a 90 day period where I could have legally requested this money to be paid 

Where did you "hear" this? Are you just talking about the rules of whoever administers your card payments? The customer still owes you the money and you have years to pursue them for it by other methods.

nulladave

user1977 said:

nulladave said:

I've heard that there is a 90 day period where I could have legally requested this money to be paid 

Where did you "hear" this? Are you just talking about the rules of whoever administers your card payments? The customer still owes you the money and you have years to pursue them for it by other methods.

It was just a random conversation I was having with a friend and when I mentioned what happened he said that it was past the 90 day legal recourse period so I wouldn't be able to claim it back. I took it with a pinch of salt as I thought financial claims were 6 years before being statute barred, hence why I thought I would ask the question here.
Thanks for the reply.

Sandtree

Your mixing up matters... card payments have rules about the ability for the merchant to represent without the customer's permission. That doesn't mean the debt doesn't exist just you can't charge their card late. You have 6 years from the date of breach of contract to start legal proceedings irrespective of payment method.