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Chargebacks UK

Chargebacks UK

Don't lose your hard-earned money to scams and defective purchases. Fight fraudulent charges and get refunded now.

💡 What is a chargeback? It's the reversal of a credit card payment that comes directly from the bank. If consumers aren't happy with their purchase and the merchant refuses to refund them, they can claim a refund for their purchase through the bank, and the bank will contact the merchant to allow them to refute the dispute.

With the growth of online payments (for shopping, subscriptions, and more), we've also seen an increase in scams and fraudulent/questionable charges. Whether a product never arrived, a purchase was defective and didn't meet expectations, or you were charged after cancelling a subscription, it's completely unfair for you to be billed.

💡 Unfortunately, getting a refund isn't always easy. Shady websites and vendors don't have great customer support, and most companies won't respond to your inquiries for a refund or replacement.

This is where chargebacks come into play.

Banks (and the government) understand that fraudulent charges happen all the time. Which is why they've created the chargeback process to protect consumers and their money from scams. By filing a chargeback, you can get a refund directly through your bank without having to deal with the merchant directly.

Section 75 of the Consumer Credit Act

In the UK, this law protects you if you use your credit card to buy something costing over £100 and up to £30,000. It places responsibility not only on the merchant, but on the card issuer as well.

Here are the instances that a 75 claim could apply:

  • your purchase does not arrive

  • the product or service is faulty or not in the condition described (this applies even if the description was verbal)

  • the company you bought the product or service from goes out of business. In this case, you may also be able to claim for associated additional expenses you incur as a result – for example, a return flight home if your airline goes bust.

There is no time limit to making a claim, although the UK Cards Association recommends no longer than six years. You can even claim if your credit card account has since been closed.

How can you solve the problem on your own?

How do you file a chargeback?

To file a chargeback, you either have to:

  1. Call the bank and explain your situation. This option isn't great since banks are usually only open from 9AM to 5PM, and there's a high change you'll have to wait on hold or get tossed around between representatives.

  2. Draft an official chargeback letter and fax or mail it to your bank.

How Can DoNotPay Help?

If you don't have a fax machine and don't have time to go to the post office to mail a letter, DoNotPay can help.

Through our Chargebacks product, we'll automatically generate a chargeback letter that's specific to your case, including the legal chargeback code required for your credit card or ACH payment.

Here are the main categories of chargebacks we help with:

  • Delivery problems

  • Charged after cancelling subscription

  • Incorrect amount/duplicate charges

  • Not satisfied with service provided

  • Promised a refund but never got it

  • Unrecognized fraudulent charges

Once you file the chargeback and it's accepted by your bank, you should see the charge amount returned to your account as a temporary re-deposit within several days. As long as the merchant doesn't dispute the chargeback, your charge will be fully refunded.

All you have to do is:

1. Find the Chargeback Instantly product on DoNotPay.

2. Tell us which credit card (or ACH transfer) the payment was on, and enter the name of your bank and the merchant.

3. Select the reason for your chargeback, and provide relevant details, including the charge amount, the charge date, a description of the payment, and any files you can upload as evidence.

Note: In most cases, you typically have 60-120 days from the charge date to file a valid chargeback.

And that's it! DoNotPay will generate a chargeback letter on your behalf with all of the evidence and legal chargeback codes necessary, and fax or mail it to your bank. Once the request is processed, you should see the charge re-deposited into your account within several days. After 45 days, if the merchant hasn't disputed the chargeback, the refund is fully yours!