Just spoken to my money advice person at work and they pointment in the direction of these details for charge back (can be used on debit cards etc)
When can chargeback be used?
Chargeback can be used in cases of goods not arriving, arriving damaged, arriving not as described, or where the merchant has ceased trading.
You can ask your card provider to try to claw back the money you paid or part of it using our template letter to make a chargeback claim.
If, for example, you ordered two items but only one arrived, you can ask for the money back on the item you didn't receive. But you can't claim back the cost of fixing a faulty item.
Chargeback doesn't mean there is joint liability on the card company. Claims must be addressed to the bank that provides your debit or credit card, which in turn will put in a request to the merchant's bank.
As a result, you could get your money back from the merchant's bank if the money is there to be recovered.
But, there are no guarantees your bank will be able to recover the money through chargeback, or that the trader will accept that you were justified in taking the money back.
The trader could argue that you're in breach of contract for not paying.
Conditions of chargeback
The main requirement for getting your money back through chargeback is evidence that there's been a breach of contract.
Time limit There is a time limit on chargeback claims - typically 120 days - which starts from the day you become aware of a problem. There is also an overall cut off point of 540 days for Visa chargeback. Therefore, your deadline for requesting a chargeback is 120 days from discovering you have a problem, or 540 days from the transaction date, whichever comes first.
Shop/online purchase In the case of tangible goods that you've purchased from a high street shop or an online retailer, the time limit on chargeback would start from the day you receive your items.
Flight purchase In the case of an airline going bust after you've booked a flight, the breach of contract would be from the day the flight was due to depart. However, if an airline had told you at an earlier date that the flight would not be going ahead, the breach of contract that allows for chargeback would not apply.
Template chargeback letter
[Your address]
[Debit/ Credit card company address]
Dear [customer services manager's name],
Claim under Visa Chargeback Scheme rules –
I am writing to you in connection with the purchase of [insert details] on [date] from [details of seller]. I enclose the following documentation which provides details of the transaction:
[List documents e.g. invoices, receipts, details of estimated delivery dates that you are submitting with the Chargeback claim.]
I paid for [insert details] using my [insert supplier name] [debit] [credit] card.
The total cost of [insert details] was [£xx].
In breach of contract [insert details of the problem – see our guide to Chargeback for details of what can and can't be claimed using Chargeback].
The transaction for the purchase of [insert details] was less than 120 days ago and accordingly, I am writing to request a refund of the above amounts under the Chargeback Scheme rules.
I look forward to your prompt response.
Yours sincerely,