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Anonymous
UPDATE 11/12/2019 Good news I contacted my bank and they were very helpful and will investigate my dispute which was raised. You have a chance to get your money back! Im so happy and grateful to God Please contact your bank. Ordered items on 05/11/2019. Still have not received items. Emailed and phone calls still no solution wont process my refund case raised over three weeks ago still no answer. Will contact my bank please speak to your banks and ask for section 75 for credit cards or chargeback. Chargeback can be used in cases of goods not arriving at all, goods that are damaged, goods that are different from the description, or where the merchant has ceased trading. The main requirement for getting your money back through chargeback is evidence that there's been a breach of contract. There is a time limit on chargeback claims - typically 120 days from the transaction processing date, or from when you expected to receive the goods/service if it’s being delivered. So, contact your bank as soon as you identify the problem because the clock may have already started ticking. Chargeback is a little-known scheme which gives you a chance of getting your money back from your bank if you bought faulty goods, a service wasn't provided, or the company you bought something from went bust and your goods weren't delivered. Importantly, as your bank asks for money back from the supplier's bank, not the supplier itself, the money should come back even if the retailer has gone bust – though this isn't guaranteed. If a transaction hasn't been completed properly, the onus is on your bank to get the money back for you to get a refund. Chargeback works in a similar way to Section 75, which is a legal protection if you buy something on a credit card making the credit provider jointly liable with the retailer if things go wrong. But while Section 75 only works for credit card purchases over £100, and other credit agreements, chargeback works on all the cards.
5 years ago
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