requesting a chargeback


#1

Hi

After paying for a holiday and trip to Honduras this month via a local travel agency, do we have the right to claim a chargeback via mastercard if the service and trip was not honoured/delivered as described due to poor customer service and political upheaval/ circumstance out of the control of the customer?

Feedback and help would be appreciated, happy holidays!

S


#2

IMHO this kind of service is reserved for credit cards only.


#3

per mastercard and visa rules there is no difference between debit or credit for these type of situations, but rarely this is a service provided for prepaid cards. as far I can tell this isn’t something usually offered nin prepaid contract cards though, but you can try contacting support


#4

IMHO this kind of service is reserved for credit cards only.

You’re perhaps thinking of Section 75, which is a requirement for credit card providers to protect > 100 GBP purchases.

A chargeback, OTOH, is not a legal right, but a mechanism the card schemes generally put in place for both debit and credit cards. There ought to be a 'dispute this charge’ link for all card transactions within the dash.


#5

I have read more about it any I have to say that you’re right :grin:. It is easier to start procedure if it is credit card and payment is during grace period, but still you’re right- it is possible for debit card too, and should be possible for prepaid even.


#6

Thank you - will try to dispute the transaction now. :slight_smile:


#7

not only.
I had few situations with my Mastercard World Debit (embosed, recognised as credit card) when chargeback it works. As long as I can prove the company broke their rules, or the invoice was cancelled/ wrong, etc.
Same applies for MC Gold on my bank, which is Debit under World and Premium benefits.

That’s why I don’t trust :r: too much yet. Yeah, seems great…but not for serious things.