Chargeback explained: what it is, what it covers, and how to ask for one
Chargeback is a card scheme rule that lets your bank reverse a payment and recover it from the retailer's bank. It works on debit…
CR
Callum Reid
Guides
Guides from the claims team
Written by the case handlers who run these claims every day, including the letters you would need to do it without us. Nothing gated, nothing sold.
Section 75: the $100 rule that almost everyone gets wrong
Section 75 makes your credit card provider jointly liable with the retailer. You only need to have paid part of the price on the…
CR
Callum Reid
Spotting a recovery scam: eleven things a genuine firm will never do
Fraudsters revisit their victims, often within weeks, posing as recovery firms, banks or police. Here is what a legitimate claims company will never do,…
PC
Personal Chargeback
The APP fraud rules changed. Here is what that means if your bank said no.
Since October 2024 most victims of authorised push payment scams must be reimbursed. Refusals now have to be evidenced rather than assumed, and the…
PC
Personal Chargeback
Do you actually need a claims company? Usually not.
Every route we use is free and open to you directly. Here is when doing it yourself is straightforwardly better, and the narrower set…
RE
Ruth Ellery
Work out your deadline before you assume you are too late
For undelivered goods the clock usually runs from the promised delivery date. For services, from the date the work was due. For events, from…
CR
Callum Reid
How to complain to your bank so it actually goes somewhere
A complaint to a regulated firm starts a clock and creates a route to the Financial Ombudsman. Getting the letter right takes ten minutes…
MN
Marta Nowak
Debit or credit: the protection gap nobody explains at the till
Section 75 applies to credit cards only. Paying $150 of a large purchase by credit card and clearing it immediately costs nothing and transforms…
BW
Ben Whitfield
Your bank can stop a subscription payment without the company's permission
You can instruct your bank to cancel a continuous payment authority and it must act. It cannot require you to sort it out with…
BW
Ben Whitfield