Big Energy Savings Week 2019
08 Jan 2019
Distance selling - fraudulent use of your payment card
04 Apr 2018
04 Apr 2018
Debit card refunds and other Section 75 exceptions.
Last week we talked about how to get a refund if you’d paid by credit card and it cost more than £100.
What if it cost less than £100 or you paid by debit card Can you still get a refund? Well, the answer is yes, but it is under the “chargeback” system (where the card company reverses the payment) IF you have a legitimate complaint.
However, this route is not a legal requirement unlike section 75?
What possible reasons are there for using chargeback?
There are 6 main reasons: the company you bought from goes bust; items not as described or defective; non-delivery; technical issues; clerical errors (incorrect billing); fraud.
If you want to make a claim you MUST act quickly as there is a strict deadline (set by the card companies) – 120 days from the time you first noticed the problem. But if you only noticed the problem more than 540 days (about 18 months) after it arose (or you paid, you are out of time.
What other issues are NOT covered by Section 75?
You paid by credit card, it was between the specified limits BUT you paid through a 3rd party – such as PayPal, travel agents or ticket agents. Your contract is with the agent and not the credit card company so you can only get your money back by pursuing the airline/accommodation/concert organisers.
If you have made the purchase with your credit card but you are the secondary cardholder, you are not likely to be covered – there are some exceptions, such as if you have purchased on behalf of the main cardholder who will be the beneficiary.
If you are purchasing using catalogue credit – in this case, the credit provider & the supplier are the same, so you are not covered.
Full information about these exceptions can be found on: https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases/
For general information about consumer issues see: https://www.citizensadvice.org.uk/consumer/