There are some limitations to when a card company is liable along with the retailer or trader.
Use our template letter to help you make a chargeback claim.
There are some transactions where the company that deals with your credit card payment is not the same as the one that provides the goods or service - such as Paypal.
Ask your bank for details of how to apply under the scheme.
There’s no set timeframe for your card provider to resolve a chargeback or Section 75 claim, but if you’re unhappy with the outcome of the claim, or how long it’s taking, you can complain to your provider, it then has eight weeks to deal with this complaint.
Which Ltd is an Introducer Appointed Representative of Which?
Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. If you use your credit card to pay for something through Pay Pal and the funds go direct to the seller, then as long as the company you're buying from has a 'Commercial Entity Agreement' with Paypal you may still be able to claim under Section 75 for any misrepresentation or breach of contract.Pay Pal offers its own buyer protection scheme, called Pay Pal Buyer Protection, so it's worth checking if you'd be covered by that if you have a problem with your purchase.If your credit card company doesn't accept that you have a claim and refuses to pay up, you can ask for a letter of deadlock so that you can refer your dispute to the Financial Ombudsman Service (FOS).If more than eight weeks have passed since you submitted your claim to your credit card provider, you can refer your claim to the FOS straight away without the need for a deadlock letter. Chaturbate is the world's most popular live sex cam site.