Free information
Card chargeback
Track All Parcels publishes general information and template letters you send yourself. It is not legal advice and it is not a claims management company. We do not contact couriers, retailers or banks for you, and we do not make claims for you.
A chargeback is a process your bank can run with the seller’s bank under card-scheme rules. It is not a claim under the Consumer Credit Act, and it is not something this site prepares for you.
MoneyHelper’s debit-card guide says debit-card payments can be covered by chargeback, that you should ask the seller to sort the problem first, and that you have 120 days from the purchase date to claim, or from the event date for tickets. It also says the seller’s bank may try to reclaim the money if they dispute it.
MoneyHelper’s Section 75 and chargeback guide explains chargeback as the route for amounts or cards that are outside Section 75. Read that page. If your bank refuses, MoneyHelper points people to the bank’s complaint process and then the Financial Ombudsman Service.
We do not state a deadline of our own. The 120 days above is MoneyHelper’s published general figure. Your bank can tell you the date that applies to the payment.
There is no chargeback template on this site. The paid letters are only a courier complaint and a retailer complaint under the Consumer Rights Act 2015. Section 75 is a separate free page.
Questions
- Is a chargeback the same as Section 75?
- No. Section 75 is a statutory credit-card protection. A chargeback is a voluntary scheme run through the card networks and your bank. Debit cards can use chargeback. They do not have Section 75.
- How long do I have?
- MoneyHelper’s debit-card guide says you have 120 days from the purchase date, or from the event date for tickets. Another MoneyHelper page uses the same 120-day figure for chargeback. Banks and card schemes set the actual rule. Ask your bank rather than treating 120 days as a promise.
- Will you write the chargeback for me?
- No. We do not sell a chargeback letter, fill in a bank form, or tell you to raise one.