Chargeback dispute with merchant - advice please

[Jules-and-Boo]

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

[JohnL]

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."

[Jules-and-Boo]

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?

[Chick]

What is chargeback?

[KidKruger]

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.

[ianr]

> 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?

[alex_b]

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.

[Jules-and-Boo]

?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

[Sue]

Just want to say I really feel for you.

That kind of thing is really stressful.

[Jules-and-Boo]

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.