Chase UK discussion

darloboy5

Hi All

Anybody here have issues signing up for a new Chase account? My wife signed up no problem and has been using it for a few months now.  I tried and just simply received a message saying "Sorry we can't open an account for you" no other explanation. Roll on 5 months and I have just tried again and got the same error, this time I called and asked but they couldn't give any explanation other than telling me I will receive a letter that may or may not explain why and details of how to appeal.  Shall await the letter but all is a bit odd.  No issues with my credit rating / score / reports etc.

anotheruser

miller said:

Not sure if this was since the Google Pay -> Google Wallet transition, but trying to pay this way now with the Wetherspoon's App generates an error "cannot 3d secure non-credit card transaction".

Interesting.
I had a similar error but I can't remember if it was Lloyds or Chase (although I'd typed in my card details to buy the product).
Used a PC browser and it worked fine.

Support told me it was something to do with the bank.
I suspect it was something to do with my phone blocking something.

kaMelo

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

uk1

kaMelo said:

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

Many thanks.  

It’s a simple civil issue fully understood by me simply hoping that a chargeback would  avoid the money claim / small claims track. I am simply unclear as to whether  (a) Chase WOULD help and (b)  if they would help whether they would chargeback for this type of issue.

The Financial Ombudsman site specifically states:

Section 75 doesn't apply if: 

• you paid with a debit card or a charge card (although your card provider or bank may still be able to help through a chargeback process)

….. hence my question. 

The trader doesn’t acknowledge the distance selling law/regulations and has insisted before the items were even returned that he will be deducting a substantial automatic restocking penalty.  Put simply, the trader is simply refusing to comply with the law. 

mcpherson_2

uk1 said:

kaMelo said:

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

Many thanks.  

It’s a simple civil issue fully understood by me simply hoping that a chargeback would  avoid the money claim / small claims track. I am simply unclear as to whether  (a) Chase WOULD help and (b)  if

I had a problem with an eBay purchase (item not as described) but hadn’t noticed within the return/dispute window. I had paid on my Chase debit card so contacted them more in hope than expectation. The agent that I spoke to noted the details and said someone would be in touch. The next day I received a phone call and a refund on the transaction back to my Chase account.

Not exactly the same issue — and the transaction was sub £15 — but suggests that it is worth contacting Chase.

masonic

uk1 said:

kaMelo said:

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

It’s a simple civil issue fully understood by me simply hoping that a chargeback would  avoid the money claim / small claims track. I am simply unclear as to whether  (a) Chase WOULD help and (b)  if they would help whether they would chargeback for this type of issue.

Have you considered asking them? Each case it likely to be judged on its merits, and what they WOULD do under certain conditions is less important than what they WILL do in your particular circumstances. It's worth remembering also that the merchant gets an opportunity to dispute the chargeback, and the final outcome will depend on whether they do so at all, and if they do, whether they are successful. An unsuccessful chargeback claim does not prevent you from taking legal action.

uk1

Thanks all, very much appreciate the suggestions.

I’m waiting for the response from the trader and will decide then.  I’ll share whatever the experience is and update the thread.

Thanks again.

miller

wiseonesomeofthetime said:

miller said:

Not sure if this was since the Google Pay -> Google Wallet transition, but trying to pay this way now with the Wetherspoon's App generates an error "cannot 3d secure non-credit card transaction".

Had same problem 24 August. Used alternative card through PayPal instead.

Well it seems to be sorted now for me.

kaMelo

uk1 said:

kaMelo said:

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

Many thanks.  

It’s a simple civil issue fully understood by me simply hoping that a chargeback would  avoid the money claim / small claims track. I am simply unclear as to whether  (a) Chase WOULD help and (b)  if they would help whether they would chargeback for this type of issue.

The Financial Ombudsman site specifically states:

Section 75 doesn't apply if: 

• you paid with a debit card or a charge card (although your card provider or bank may still be able to help through a chargeback process)

….. hence my question. 

The trader doesn’t acknowledge the distance selling law/regulations and has insisted before the items were even returned that he will be deducting a substantial automatic restocking penalty.  Put simply, the trader is simply refusing to comply with the law. 

There lies your problem. I had a not too dis-similar problem a while ago, trader simply said I don't do refunds.
(NB as it's a debit card transaction Section 75 does not apply.)
Chargeback rights are in addition to your statutory rights, the right to a refund for a distance purchase is a statutory right so can be settled via civil action, as such the bank would not instigate a chargeback.

But, leaving that aside for the moment, as @masonic said, speak to the retailer, be polite but persistent. Whether you wish to take it further via legal action is very much dependant upon what amount you're talking about but either way let us know, it's good to hear the outcome of problems like this.

uk1

kaMelo said:

uk1 said:

kaMelo said:

uk1 said:

A general question about chargeback and the Chase debit card.

I have a potential conflict with an online transaction that would qualify for Section 75 on a credit card but might also be something that could be dealt with by a simple chargeback. In simple terms I have returned an item within 14 days and requested a refund and the trader refuses to acknowledge obligations under  the distance selling provisions of the relevant consumer laws.  I don’t need any help with understanding those legal rights but simply I’m asking for observations or even better first-hand experience prior to issuing as a last resort a “money claim” about what help if any I might get  from Chase with a chargeback request. 

Is it likely that Chase would respond helpfully to a chargeback request for my debit card purchase?

Thanks in advance …..

That all depends upon the reason you are in dispute with the trader.
Non delivery, broken, mis described etc then yes a chargeback should work as it's a failure to deliver.. A simple change of mind return is covered under distance selling regulations, if the trader refuses to refund under these regulations then, as a civil dispute, I suspect a chargeback would fail.
Re-post on the consumer rights board where they may give more accurate advice.
https://forums.moneysavingexpert.com/categories/consumer-rights

Many thanks.  

It’s a simple civil issue fully understood by me simply hoping that a chargeback would  avoid the money claim / small claims track. I am simply unclear as to whether  (a) Chase WOULD help and (b)  if they would help whether they would chargeback for this type of issue.

The Financial Ombudsman site specifically states:

Section 75 doesn't apply if: 

• you paid with a debit card or a charge card (although your card provider or bank may still be able to help through a chargeback process)

….. hence my question. 

The trader doesn’t acknowledge the distance selling law/regulations and has insisted before the items were even returned that he will be deducting a substantial automatic restocking penalty.  Put simply, the trader is simply refusing to comply with the law. 

There lies your problem. I had a not too dis-similar problem a while ago, trader simply said I don't do refunds.
(NB as it's a debit card transaction Section 75 does not apply.)
Chargeback rights are in addition to your statutory rights, the right to a refund for a distance purchase is a statutory right so can be settled via civil action, as such the bank would not instigate a chargeback.

But, leaving that aside for the moment, as @masonic said, speak to the retailer, be polite but persistent. Whether you wish to take it further via legal action is very much dependant upon what amount you're talking about but either way let us know, it's good to hear the outcome of problems like this.

It’s £2k.

The trader has basically said that unless I agreed for an unconditional and highly reduced refund they would make no refund at all and I could “do whatever I wanted to”.  

I bought “an item” that they said would be sent factory fresh and sent direct from the manufacturer but then after I ordered they changed there mind and sent me a used item direct from themselves that they “had just found in stock”.  I returned it and they refused a refund on the basis that I had returned a “used item”. 

To be clear, they have not even processed the “part refund” they were seeking to impose but said that they will make no refund at all unless I confirmed in writing that I would accept the reduced refund in full and final settlement.  So they have the item and my cash. 

I messaged Chase and they were extremely sympathetic and very responsive.  They asked for a lot of detail which was reassuring and said it would be handled by the relevant section. 

I’m a bit bewildered about the process but I guess we will see.