HyperJar Chargeback

Newhouses Forumite Posts: 3
Third Anniversary
We’ve been using HyperJar pre paid credit card for household spending for a couple of years. My wife spent £500 recently on an item bought online but delivered to the actual high street shop for collection. Having examined it she returned it immediately as not as described, as per the shop policy and requested a refund. The company are now being very slow on refunding and are basically doing nothing, too busy to reply, and useless. What are our right on chargeback / section 75 via the card issuer? HyperJar apparently have a policy on not doing chargebacks, can they do this legally? Has anyone any similar experience or suggestions?


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,175
    1,000 Posts First Anniversary Name Dropper
    Section 75 isnt available as there is no credit agreement/you haven't borrowed to make the payment.

    Chargeback is a feature offered by the card networks (Visa, Mastercard, Amex etc) and not a statutory right. You'd need to dig deep into the network's rules for issuing cards to see if they are compelled to offer chargebacks or not but even if they were it would be down to Visa (or whichever network it is) to decide if they want to take any action against them.
  • born_again
    born_again Forumite Posts: 11,678
    10,000 Posts Fourth Anniversary Name Dropper
    The HyperJar card is issued by Monavate Ltd., pursuant to license by Mastercard International.

    All I can suggest is
    We always try to give the best possible customer service and solve problems quickly and fairly. If you do not think we have lived up to this, please let us know by emailing us at: [email protected] with the subject line: Complaint.

    In future it may be better to use a normal bank account.
    Life in the slow lane
  • RefluentBeans
    RefluentBeans Forumite Posts: 421
    100 Posts Name Dropper
    Have you spoken to the retailer? How long have they been dragging their feet? 
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