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  • FIRST POST
    • jd87
    • By jd87 18th May 19, 4:49 PM
    • 2,273Posts
    • 1,211Thanks
    jd87
    Duplicated transaction - Halifax not being helpful
    • #1
    • 18th May 19, 4:49 PM
    Duplicated transaction - Halifax not being helpful 18th May 19 at 4:49 PM
    I used my Halifax credit card on holiday last week to buy an item from a small independent electronics store in a Spanish shopping centre. This is just a little stall selling hairdryers, shavers, etc. Not a big set up. There was some trouble with the card machine connecting when I tried to make a payment but it went through eventually.


    The transaction is now appearing twice on my credit card statement. I called Halifax and they said I need to contact the retailer first. There is absolutely no way to contact this retailer. They don't have a website, they don't come up on Google. Short of me booking a flight back out there and meeting them face to face, there is no way to contact them.


    I tried explaining this to Halifax and was faced with a brick wall. Any advice?

Page 1
    • Gary_Dexter
    • By Gary_Dexter 18th May 19, 5:38 PM
    • 4,805 Posts
    • 3,150 Thanks
    Gary_Dexter
    • #2
    • 18th May 19, 5:38 PM
    • #2
    • 18th May 19, 5:38 PM
    Make a chargeback claim
    • Emily Joy
    • By Emily Joy 18th May 19, 6:07 PM
    • 383 Posts
    • 174 Thanks
    Emily Joy
    • #3
    • 18th May 19, 6:07 PM
    • #3
    • 18th May 19, 6:07 PM
    I used my Halifax credit card on holiday last week to buy an item from a small independent electronics store in a Spanish shopping centre. This is just a little stall selling hairdryers, shavers, etc. Not a big set up. There was some trouble with the card machine connecting when I tried to make a payment but it went through eventually.


    The transaction is now appearing twice on my credit card statement. I called Halifax and they said I need to contact the retailer first. There is absolutely no way to contact this retailer. They don't have a website, they don't come up on Google. Short of me booking a flight back out there and meeting them face to face, there is no way to contact them.


    I tried explaining this to Halifax and was faced with a brick wall. Any advice?
    Originally posted by jd87
    Sent them an email saying that you would like to request a chargeback for the duplicate transaction; quoting MasterCard Chargeback Reason Code 4999. Attach a copy of the statement (printscreen from the Internet banking might be the easiest).
    • eco_warrior
    • By eco_warrior 18th May 19, 7:58 PM
    • 388 Posts
    • 179 Thanks
    eco_warrior
    • #4
    • 18th May 19, 7:58 PM
    • #4
    • 18th May 19, 7:58 PM
    Assuming it’s a Visa then the chargeback rules mean you must contact the merchant first to resolve. For MasterCard you do not.

    You could always say you called them and they said they can’t help...... that would tick that particular box. It’s a simple chargeback.

    You do get a lot of scams in Spain in electronic stores so I do hope it’s not that.

    I also have no idea what reason code 4999 is.
    • Terry Towelling
    • By Terry Towelling 18th May 19, 8:31 PM
    • 1,505 Posts
    • 1,259 Thanks
    Terry Towelling
    • #5
    • 18th May 19, 8:31 PM
    • #5
    • 18th May 19, 8:31 PM
    RC4834 seems to be the MasterCard duplicate processing Chargeback - it was just plain RC34 in my day

    I found a website that suggests RC4999 is an EU region specific RC for disputing a Chargeback. Presumably, if an Acquirer wants to dispute a Chargeback they just represent it using the same RC as the original Chargeback but with a different Usage Code - why would they need a whole new RC? The website could be wrong of course.
    • eco_warrior
    • By eco_warrior 18th May 19, 9:01 PM
    • 388 Posts
    • 179 Thanks
    eco_warrior
    • #6
    • 18th May 19, 9:01 PM
    • #6
    • 18th May 19, 9:01 PM
    RC4834 seems to be the MasterCard duplicate processing Chargeback - it was just plain RC34 in my day

    I found a website that suggests RC4999 is an EU region specific RC for disputing a Chargeback. Presumably, if an Acquirer wants to dispute a Chargeback they just represent it using the same RC as the original Chargeback but with a different Usage Code - why would they need a whole new RC? The website could be wrong of course.
    Originally posted by Terry Towelling
    RC34 still exists but itís about 8-10 different codes that have been combined. Duplicate is all but defunct and Paid by other Means isnít valid when both transactions are chip and pin.

    Should have a look at the latest manual for a laugh TT. We got the latest one a few weeks back.
    • Terry Towelling
    • By Terry Towelling 18th May 19, 9:21 PM
    • 1,505 Posts
    • 1,259 Thanks
    Terry Towelling
    • #7
    • 18th May 19, 9:21 PM
    • #7
    • 18th May 19, 9:21 PM
    RC34 still exists but itís about 8-10 different codes that have been combined. Duplicate is all but defunct and Paid by other Means isnít valid when both transactions are chip and pin.

    Should have a look at the latest manual for a laugh TT. We got the latest one a few weeks back.
    Originally posted by eco_warrior
    Sadly, I am no longer in a position to see these rules and regs. In my day, there would be no possibility of laughing at them at all because we used to meet up to discuss/approve the 'language' used in the regs (UK Domestic, EU and occasionally Inter-regional) and, of course, we consulted with end users and made sure everything was perfect.
    • Emily Joy
    • By Emily Joy 21st May 19, 7:21 AM
    • 383 Posts
    • 174 Thanks
    Emily Joy
    • #8
    • 21st May 19, 7:21 AM
    • #8
    • 21st May 19, 7:21 AM
    Assuming itís a Visa then the chargeback rules mean you must contact the merchant first to resolve. For MasterCard you do not.
    Originally posted by eco_warrior
    Most likely it was Halifax Clarity MasterCard; and Spain is in the EU.
    • Fortyfoot
    • By Fortyfoot 24th May 19, 2:44 PM
    • 1,836 Posts
    • 914 Thanks
    Fortyfoot
    • #9
    • 24th May 19, 2:44 PM
    • #9
    • 24th May 19, 2:44 PM
    I was charged about £60 three times on my cotactless Clarity credit while in Tenerife for baccy and booze. I did not know till I got home, I thought there was a £30 cap.

    My Halifax bank manager made up all sorts of excuses, he was very unprofessional. If he had worked for me he would have been sacked!

    I did not contact the supplier. It was Lloyds who dealt with my complaint and got the two extra payments refunded. The chap was very good, here are his details.

    Tobias-sweby, Edward (Contractor - Fraud & Disputes Lloyds, Community Banking)

    Needless to say my Clarity card has now been swapped for a non contactless Clarity card.

    Fortyfoot
    Last edited by Fortyfoot; 24-05-2019 at 6:30 PM.
    • Emily Joy
    • By Emily Joy 24th May 19, 3:14 PM
    • 383 Posts
    • 174 Thanks
    Emily Joy
    I was charged about £60 three times on my cotactless Clarity credit while in Tenerife for baccy and booze. I did not know till I got home, I thought there was a £30 cap.
    Originally posted by Fortyfoot
    The contactless limit is set by banking system of the country where the card is used, not where it was issued.
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