Halifax debit card chargeback problem

[charitynjw]

Hi all,

A friend of mine had a new tyre fitted to the spare wheel of his car some three or four months back.

He was going on a longish journey about a month or so ago, one of the tyres fitted to the 'road' wheels was becoming a bit 'iffy', so he swopped it for the spare.

During the journey, the new tyre blew out.

The consensus of opinion is that the tyre was defective, & there was no obvious damage or puncture; it appeared to have 'escaped' the rim of the wheel (again, there is no obvious fault with the wheel/rim).

The tyre supplier is being very obstructive to a refund, so he tried chargeback via his (Visa) debit card.

Halifax have written to him, saying they are not liable.

Even if they are basing this on the 120-day cut-off, isn't Visa covered for 540 days?

& even if not, doesn't the 120-day clock start from when the problem became noticeable (ie when he fitted the spare wheel, not when the tyre was purchased?)

[labman]

Re: Halifax debit card chargeback problem

Chargeback is part of Visa, Mastercard and Amex's internal rules, and not a legal requirement like Section 75.

The time limit is 120 days from the date of purchase. Some purchases can be made after 120 days, if, for example, you were paying for a contract to kick in in the future, or services to do similarly. There is then a time limit of 540 days from date of purchase, unless the contract was to start on the 540th day, in which case you have a further 120 days to make a claim (660 in total).

It definitely covers defective goods, but as I said earlier, there is no legal obligation as in Section 75 with Credit Cards.

You may find this article interesting:

http://www.moneysavingexpert.com/sho...ard-chargeback