The majority of us are now aware of the benefits of using our credit cards in terms of the protection it offers us in the event the supplier is unable to offer the goods and services we have paid for.
But did you know that you can also claim the money back if you have paid on your Visa Debit card? And unlike your credit card, which imposes a minimum spend of £100, you can claim back any amount of money.
The process is called Visa Debit Chargeback, and, as the name suggests, is a procedure in which the banks will ‘charge back’ the value of the original transaction directly from the supplier’s bank, and pass this amount on to you.
All banks who issue Visa cards have only recently agreed to process chargeback requests, and there is still widespread confusion over what it is and how it works. Therefore if you meet a dead end in your discussions with bank staff, persist. The facility is there for you to take advantage of.
Invoking the chargeback procedure
If you suspect your card has been used fraudulently, if the goods and services you bought with your card are faulty or if they do not materialise, then you should contact the bank who has provided you with your Visa debit card within 120 days, requesting they initiate the chargeback process. It does not mean you will automatically and immediately get your money back. It will initially become a ‘dispute’ in which the claim will be fully investigated by both banks before any money is returned.
Addendum: This Visa Chargeback Scheme also applies to Visa Credit Cards
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I ordered the hands free can opener with my Visa debit card and have not received it. Please look into this issue for me. Thank you, Janis Brown
What need doing I cant back money besause 4 time 19.65
Can I use a charback on a Bank Transfer payment for a car sold to be that was not fit for purpose.
Any luck in getting your money back, Dawn?
There seems to be a procedure for goods that have not been received or received but faulty. I am in dispute with Zara who claim not to have received all the items in a parcel I returned. I returned 6 items; they refunded only 3. The implication is that I am a liar. What does Visa Debit do in such cases?
Hi my dad who suffers from dementia he subscribed to virgin media in 2012 for £32 a month minimum contract 12 months.Which he paid direct debit for no peproblem,his service was never changed or upgraded,yet he cancelled with virgin 2 years later and has moved to a care home but virgin have continuously taken payments from his bank until last week charging 64 a month for a television and phone line he never had.contacted tsb and was told I would have to ask virgin to email bank to verify they would pay the bank back in event of a refund is this right?
very helpful I have recently been overcharged on a telephone transaction with a PPI collection company and now am waiting for them to refund me apx £360.00.
Hi I was applying for a loan through castle finance I wasent accepted but they have taken 79 out of my bank this morning something about a admin fee which I did not no about which has left me short and I don’t no how to claim it back
Castle direct finance took money off me how do I get it back
Door to door sales are covered by the credit cards to, they are treated as distance sales, Regulations 2013.