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Debit Card Chargeback scheme (Monarch)

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  • Debit Card Chargeback scheme (Monarch)

    There are two time limits that concern chargeback, one is 120 days and the other is 540 days.
    The 120 day countdown starts from the moment you realise you have a problem with the product you've bought, either after you receive it and discover it's faulty, if it doesn't arrive or if an event that you've paid for has been cancelled.
    Claims can be made after 120 days if, for example, you have paid for a service a long time in the future, such as concert tickets or a flight booking, which are then cancelled and you can't get a refund from the provider (ie. if the airline goes bust).
    The cut-off point for these claims is 540 days from the date of the transaction.
    So, if you book something and discover 540 days later you won't get it, then the 120 day countdown would start. If it was 541 days after the transaction however, you would not be able to claim for chargeback.
    For items you expect to get delivered, the 120-day chargeback period would start when you become aware of a problem, such as it having not arrived within its estimated delivery window.

  • #2
    Originally posted by mavo View Post
    There are two time limits that concern chargeback, one is 120 days and the other is 540 days.
    The 120 day countdown starts from the moment you realise you have a problem with the product you've bought, either after you receive it and discover it's faulty, if it doesn't arrive or if an event that you've paid for has been cancelled.
    Claims can be made after 120 days if, for example, you have paid for a service a long time in the future, such as concert tickets or a flight booking, which are then cancelled and you can't get a refund from the provider (ie. if the airline goes bust).
    The cut-off point for these claims is 540 days from the date of the transaction.
    So, if you book something and discover 540 days later you won't get it, then the 120 day countdown would start. If it was 541 days after the transaction however, you would not be able to claim for chargeback.
    For items you expect to get delivered, the 120-day chargeback period would start when you become aware of a problem, such as it having not arrived within its estimated delivery window.
    What to do re chargeback claims (Debit Cards)....Find appropriate department at your bank and send them an email with the following.
    In the subject header put the following:- Your Surname , Post Code, Last 4 digits of Debit Card.
    In the email put what happened..
    ie Monarch went into administration at 4am on 2nd Oct. 2017
    Date and amount of transaction. Date of flights. Enclose a copy of bookings.
    Matter could take up to 130 days to resolve according to the info from my bank.
    In the case of TSB the email address is. DebitDisputes@tsb.co.uk

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