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

    • Dunstans Road  comes under Dulwich Hill SNT- you can get their details on the Met Police website . I know that the Police are often patrolling Dawson Hights. Please contact them,
    • No one is arguing that people should cycle without lights or reflectors. Obviously they should. It is also a legal requirement. But the colour of someone’s clothing? Is it ok to wear navy? What about green? What shade? At what point should we have ‘no reason for sympathy’ if they’re in a collision? I don’t want people to feel like they need special clothes just to walk or cycle. If you have lights and reflectors and you’re on well lit city streets, there is no reason why drivers shouldn’t be able to see you, assuming of course, that they're driving with due care and attention. But yes, if there are lots of people without lights, that should be addressed. I suspect in part, it's the change over in seasons and the fact that people are getting caught out by how early it's getting dark now (obviously no excuse).
    • Found it but cannot contact owner as no email or message on it. e*****@icloud.com   please let me know if you’ve recently lost an Apple Watch SE
    • What a passionate thread this is. I have worked in cycling for years, am a cyclist, a driver, use public transport etc. Driving last night with my two young kids, who also cycle, we made the same observations. It was the kids who first asked me why are most cyclists wearing full black and no lights. We then played a game who can spot all the cyclists, and count those with lights and those without. This teaches them to look out for them but also not to put themselves in a position where we have to strain to find them. 
Home
Events
Sign In

Sign In



Or sign in with one of these services

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