Chargeback on a Maestro Card

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Dott

Free Member
Nov 26, 2007
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  • #1
    Hi, Im new to the forum but was looking for a little bit of advice. So i apologies if this is the incorrect section or even irrelevant to this entire forum.

    I found a website selling graded stock of electrical goods. And decided to purchase two tv's from them. They stated that they accepted paypal payments and were verified and confirmed. The site was also isis confirmed so i thought i was shopping in safety, Since then i have now realized that it was a scam as my delivery date has now passed and the site has been deleted and i can no longer contact the company.

    I am in the process of trying to claim my money back from paypal (which is going to be a task in itself) but i have read up if i had of used a credit card i would have been able to have used charge back. The problem being is i didn't use a credit card. it was a Maestro Switch card from the Royal Bank of Scotland. I am unsure of where i would stand as to would i be entitled to claim any money back from the bank?

    Any help or advice would be greatly appreciated.
     
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    Astaroth

    Free Member
    Aug 24, 2005
    3,985
    278
    London
  • #2
    Chargebacks only strictly apply to Credit Cards as the CCA makes credit companies jointly liable for any purchase over £100 (cant remember the upper limit off hand but it is a good few grand) - though most card companies will give you protection for any purchases.

    With debit cards there is no legal liability on the banks and therefore few, if any, offer such protection. Best thing is to phone the RBS and see what, if anything, they can do and take it as a learning experience for next time to use a CC on any purchases over £100
     
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    Astaroth

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    Aug 24, 2005
    3,985
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    London
  • #4
    There is no protection under the consumer credit act which is where the credit card protections stems from as maestro is a debit rather than credit system.

    Protection does exist in terms of contract law etc but this doesnt cause your bank to be liable but protects your rights to pursue the retailer directly rather than through the card issuer.

    If you phone them they may be able to assist, and they may offer protection on maestro purchases but this will be a value added service they offer and not a legally required one.
     
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    Dott

    Free Member
    Nov 26, 2007
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  • #5
    Thanks again for the prompt response. Ill give them a call and see if there is any way i can take this forward, if not i guess ill chase it through paypal if nothing else.

    Feel sorry for the other people scammed as there is several people lost thousands. Seemed a genuine site that was isis verified etc
     
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    I

    INDIZINE

  • #6
    When you pay via paypal you normally can see the persons name and address details. As PayPal have to verify their bank, can you not try to trace them and go after them by other means? (and no, I dont mean with a baseball bat!)
     
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    Dott

    Free Member
    Nov 26, 2007
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    0
  • #7
    The only problem was this was a large scale scam so it is unlikely the person would be there, and its a fair distance to travel. Plus after doing a little digging have found out the registered owner of the company was Lithuanian so no prizes for guessing where he has fled to
     
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