section 75/ chargeback claim for transaction under £100

eskbanker

whalemoney said:
I've always wondered if when a s75 or chargeback is successful, does the retailer have the funds taken back by the bank?  Or does the bank just pay the customer out of their own pocket and then assess whether it's worth pursuing the retailer to recover their loss/ write it off.

The first is how chargeback works, the second is how s75 does, although I understand that recovery of funds from the retailer is very much the exception rather than the rule.

born_again

whalemoney said:

born_again said:

MEM62 said:

GrumpyDil said:

As it is under 100.00 it doesn't qualify for s.75 but you can request a chargeback on the basis that the supplier has failed to meet the term of the contract but they can challenge that.

Assuming that the supplier has broken the terms of the contract.  Their T's and C's may require return of the item at the customer's expense.   

Chargebacks do not rely of breech of contract etc.
They work off the card co's regulations.

So part of this for faulty goods is that goods should be returned to retailer, unless retailer is being obstructive in allowing a return.

I'm confused by this post.  What's your conclusion?  Are you saying that I am liable for the costs of return?

Also, with regards to the bank's chargeback regulations, do all banks follow the same principles or are they all different in what they''ll accept and reject?  I'd imagine if the banks are setting their own regulations then they'll just BS their way into being able to reject as many chargeback requests as possible?

Card regulations are set by Visa/Mastercard on their cards. Banks have to work to these.

Chargeback will only get back the amount that debited your account.
Any costs returning the item are not recoverable via the bank. 

whalemoney

born_again said:

whalemoney said:

born_again said:

MEM62 said:

GrumpyDil said:

As it is under 100.00 it doesn't qualify for s.75 but you can request a chargeback on the basis that the supplier has failed to meet the term of the contract but they can challenge that.

Assuming that the supplier has broken the terms of the contract.  Their T's and C's may require return of the item at the customer's expense.   

Chargebacks do not rely of breech of contract etc.
They work off the card co's regulations.

So part of this for faulty goods is that goods should be returned to retailer, unless retailer is being obstructive in allowing a return.

I'm confused by this post.  What's your conclusion?  Are you saying that I am liable for the costs of return?

Also, with regards to the bank's chargeback regulations, do all banks follow the same principles or are they all different in what they''ll accept and reject?  I'd imagine if the banks are setting their own regulations then they'll just BS their way into being able to reject as many chargeback requests as possible?

Card regulations are set by Visa/Mastercard on their cards. Banks have to work to these.

Chargeback will only get back the amount that debited your account.
Any costs returning the item are not recoverable via the bank. 

so then where does that leave me? If I open a chargeback with tesco bank, are they going to expect me to post it back??? 

I'm trying to find out how to approach this chargeback. please give me your ideas on how to get my money back, as I feel so far were just touching on theory without putting any of it into practice. 

born_again

whalemoney said:

born_again said:

whalemoney said:

born_again said:

MEM62 said:

GrumpyDil said:

As it is under 100.00 it doesn't qualify for s.75 but you can request a chargeback on the basis that the supplier has failed to meet the term of the contract but they can challenge that.

Assuming that the supplier has broken the terms of the contract.  Their T's and C's may require return of the item at the customer's expense.   

Chargebacks do not rely of breech of contract etc.
They work off the card co's regulations.

So part of this for faulty goods is that goods should be returned to retailer, unless retailer is being obstructive in allowing a return.

I'm confused by this post.  What's your conclusion?  Are you saying that I am liable for the costs of return?

Also, with regards to the bank's chargeback regulations, do all banks follow the same principles or are they all different in what they''ll accept and reject?  I'd imagine if the banks are setting their own regulations then they'll just BS their way into being able to reject as many chargeback requests as possible?

Card regulations are set by Visa/Mastercard on their cards. Banks have to work to these.

Chargeback will only get back the amount that debited your account.
Any costs returning the item are not recoverable via the bank. 

so then where does that leave me? If I open a chargeback with tesco bank, are they going to expect me to post it back??? 

I'm trying to find out how to approach this chargeback. please give me your ideas on how to get my money back, as I feel so far were just touching on theory without putting any of it into practice. 

Speak to them, explain the situation. If retailer are not assisting in a return. Then they may start chargeback, it is going to depend on the evidence.

I can not say how Tesco bank will deal with this, while all banks have to work to the regulations, some view them in slightly different ways.
If you have to pay to send it back, then bank can not reclaim it for you. It would be a money claim online case. 

But it could be that retailer is wanting to confirm that item is faulty 1st & then would refund the postage.