Jump to content

Chargeback dispute with merchant - advice please


Jules-and-Boo

Recommended Posts

hi


I challenged a service using the banks chargeback process which gives the merchant the opportunity to challenge my claim. My claim ws upheld and I received my money back.


I am now getting calls from the merchant requesting I settle the amount.


Are they able to pursue this, even though I've already successfully challenged it through the chargeback scheme?


it's all a bit too stressful


thanks

JB

The below is advice to merchants, so unless you've got a refund from both the merchant and the scheme ( a double refund) - I'd just quote the below.


https://www.opayo.co.uk/blog/uncertain-times-chargebacks


"The final decision in favour of one party or the other, which is made by the card scheme rather than the issuer, cannot be challenged further, other than through the process of bringing the matter before a court."

It?ll cost the merchant to take you to court, Covid is delaying court schedules/processes significantly, let them waste their time and money bringing you to court.

You?ll produce the evidence of the card issuer backing you up and the magistrate will think the merchant is just a chancer and wasting court time.

I would wager.

> General ED issues / gossip


??


> You?ll produce the evidence of

> the card issuer backing you up


What might that prove?


In any case, do card issuers willingly release their documents?


> and the magistrate will think


It would be a County Court matter.


What is the loss that the merchant would be seeking to recover?

Jules-and-Boo Wrote:

-------------------------------------------------------

> thanks JohnL

>

> oh, so they can go to court. In which case, what

> is the point of a chargeback? Unless the court

> would hold any value in it?



The point is you were able to recover your money without taking them to court, and putting the ball in their court to deal with. Given it costs ?70+ to make a claim in the courts, it?s unlikely they will bother especially given that the card scheme has already found in your favour.

?45.


Spoke to a legal colleague who said they can go through courts (as Ian said) so I?ve just paid it as really can?t deal with the stress and if they win I?d have to pay their fees too.


Also given there is an element of ambiguity

Well, it shouldn?t be Sue but it?s hard to take abusive phone calls while home schooling and also working.

I don?t think I?m wrong but have to balance the energy and effort and time it would take to dispute it against what else I could be doing.

Archived

This topic is now archived and is closed to further replies.

  • Latest Discussions

    • He seemed to me to be fully immersed in the Jeremy Corbyn ethos of the Labour Party. I dint think that (and self describing as a Marxist) would have helped much when Labour was changed under Starmer. There was a purge of people as far left as him that he was lucky to survive once in my opinion.   Stuff like this heavy endorsement of Momentum and Corbyn. It doesn't wash with a party that is in actual government.   https://labourlist.org/2020/04/forward-momentum-weve-launched-to-change-it-from-the-bottom-up/
    • I perceive the problem.simply as spending too much without first shoring up the economy.  If the government had reduced borrowing,  and as much as most hate the idea, reduced government deiartment spending (so called austerity) and not bowed to union pressures for pay rises, then encouraged businesses to grow, extra cash would have entered the coffers and at a later stage when the economy was in a stronger position rises in NI or taxes would have a lesser impact, but instead Reeves turned that on its head by increasing ni which has killed growth, increased prices and shimmied the economy.  What's worse is that the perceived 20 billion black hole has increased to 30 billion in a year. Is there a risk that after 5 years it could be as high as 70 billion ???     
    • That petition is bananas.   If you want a youth centre there pay the landlord the same rent a Londis would and build it yourself or shut the f**k up to be honest. Wasting our MPs time with this trivial nonsense is appalling. If your kids are still out at 1am on a school night you've got bigger problems than vapes and booze and hot sausage rolls. 
    • There used to be a better baker than Gail's on the same site immediately before Gail's pulled their financial muscle.
Home
Events
Sign In

Sign In



Or sign in with one of these services

Search
×
    Search In
×
×
  • Create New...