Barclays and BP and VISA time limit

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

Yea give them a call and see what they say. If possible record the call

[Undercover Elsa]

Re: Barclays and BP and VISA time limit

What a farce!
I found this quote from a Barclaycard Procedure Guide:
( http://www.barclaycard.co.uk/busines...dure_guide.pdf )

4.6 Timescales to chargebacks
A disputed transaction is normally charged back
because either:
• the cardholder does not recognise the transaction (eg
they claim their card details have been used fraudulently) or
• the transaction has been processed outside of your
Merchant Agreement (eg Authorisation was not
obtained when required).
The vast majority of disputes are raised because the genuine cardholder disputes the transaction on their statement. As cardholders are only sent card statements
once a month, it can be up to one month before a cardholderwill receive their statement and therefore dispute the transaction with their Card Issuer (eg MBNA, Capital One,
NatWest, Barclaycard etc.).

In cases where the cardholder claims neither to have participated in nor authorised a transaction, the Card Issuer will ask the cardholder to complete and sign a ‘disclaimer’.
This is a legal document whereby the cardholder declares they did not undertake the transaction. Typically the cardholder will be given 14 days to complete and return
this documentation.
The Card Issuer does not notify Barclaycard of the dispute until it has received all necessary documentation from the cardholder. Visa and MasterCard have strict time limits in
which Card Issuers must notify us of any dispute along with rules for what documentation must be provided.
Barclaycard will automatically protect you from a dispute if the correct documentation is supplied or if the correct time limits are adhered to.

As soon as Barclaycard receives notification of the disputed transaction, we will notify you. Analysis has shown that the typical disputed transaction is notified to us approximately
50 days after the date the transaction was undertaken.
Sometimes it may be less but often it can be more, especially in cases where the cardholder is based outside of the UK. Actual time limits vary depending on the reason for
dispute and what part of the world the card was issued in (cards issued overseas have longer time limits to allow for postal delays). The maximum time allowed is 120 days from
the date of the transaction.
For transactions relating to delayed travel (eg holidays), the time limit is calculated from
the date of travel and not the date of the transaction.
Notification of the chargebacks will either be by letter or, if you have signed up to our Faxlink service, by fax. For
disputes where it is likely that you will have additional information that may enable us to defend the dispute, you will have 14 days after receipt of this notification to supply the
information. For disputes where it is unlikely you will be able to defend the dispute eg
if Authorisation was not obtained, then you may be debited at this time. If you disagree with
the dispute it is important that you notify us with your reasons in writing within 14 days. If you fail to respond within the 14 days, or your reply is unclear or illegible, then we may not be able to defend you from the chargeback.
Our Chargeback Education Team can provide bespoke advice as to when you should be replying and with what. They can also provide general advice on all matters relating
to chargebacks. For tailored advice for your own business, please call us on 01604 614 012
* (available 9.00am – 5.00pm Monday to Friday. Closed Bank Holidays). Or email us at
chargeback.education@barclaycardbusiness.co.uk and we will get back to you within 48 hours. Please provide your contact details and Barclaycard Merchant number (found on
your statement).

It's common sense that the timescale runs from the second disputed transaction, not the original valid one.
It would be interesting to phone or email their own "Chargeback Education Team"

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

Gotcha. Ok I'll await that email letter in morning and ill sort you a reply

[malamute]

Re: Barclays and BP and VISA time limit

Date you bought fuel - 27th oct 2012
Date that payment left your account - 2 dec 2012

Going back to February. BP took an extra £52 - when? - 14 feb 2014 narrative statement matches that of 2nd December debit.

Then they paid you this £52 back again, right? When? - 5th march - narrative on bank statement is a credit from BP newnham avenue which is the same narrative as debits. I assumed it was Barclays refunding it but narrative is the merchant not Barclays refunding a in authorised transaction.

27 October £52 purchase
2 December £52 debit - ok.
14 February £52 debit
5th March £52 credit = narrative says from BP but is it from Barclays but Barclays saying they incorrectly credited back the 52 in march

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

Actually just checked my statement (thank god for online banking). On march 5th it shows a credit from BP FOR THE £52. by the guy at Barclays has stated that Barclays will be re requesting the £52 back that THEY refunded.

Should I wait for that letter?!

Please check this for me:

Date you bought fuel -
Date that payment left your account -

Going back to February. You say they took an extra £52 - when? -
Then they paid you this £52 back again, right? When? -

Now you say there was a credit on 5th March 2013 by BP.

So that £52 needs repaid, which is what the bank are doing.

Now you've confused matters with this 5th march credit.... It suggests the bank is right cos you're £52 better off.

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

The bank are going on the 120 day recharge timeframe but they've got it wrong as the original sale was October and the £52 was correctly paid (in Dec). The February recharge and refund resolved itself but this new recharge is the issue. The bank have no right to recharge you unless the garage have stated that you owed £52.

That said your own records confirm its settled. Send me their letter and ill sort you a response to send their CEO tomorrow. That should sort it for you

If garage call just warn them that if they have instructed their bank to recharge it in March again you'll be seeking legal advice for theft so you suggest he gets onto his bank and stops the recharge claim. They'll have a contact at streamline or whoever they use that deals with disputes.

The bank we can deal separately. They're idiots. This is a separate matter to any 120 day rule. It's theft.

[malamute]

Re: Barclays and BP and VISA time limit

Actually just checked my statement (thank god for online banking). On march 5th it shows a credit from BP FOR THE £52. by the guy at Barclays has stated that Barclays will be re requesting the £52 back that THEY refunded.

Should I wait for that letter?!

[malamute]

Re: Barclays and BP and VISA time limit

Actually just checked my statement (thank god for online banking). On march 5th it shows a credit from BP FOR THE £52. by the guy at Barclays has stated that Barclays will be re requesting the £52 back that THEY refunded.

Should I wait for that letter?!

[malamute]

Re: Barclays and BP and VISA time limit

Eh? They said what?

Can you email me that letter please? Also confirm the dates. You originally bought fuel in October 2012? That was taken from your account when?

The February debit and refund is sorted so in theory as at today things add up right? But you now know they'll take it from you and pay it back to garage at a later date, is that right? So you'll be £52 out of pocket?

I can scan and email in the morning sure.

Bought fuel October and it was debited in December. The extra debit was in feb and they refunded it at the end of feb. I called them to discuss todays letter and was told that ill receive another letter confirming that the £52 will be re debited. The guy on the phone from Barclays just kept saying they could t help as it is passed the 120 day limit imposed by visa (I assume since the time of the original purchase).

So if they take back the refund I will be back out of pocket by £52 + charges.

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

Eh? They said what?

Can you email me that letter please? Also confirm the dates. You originally bought fuel in October 2012? That was taken from your account when?

The February debit and refund is sorted so in theory as at today things add up right? But you now know they'll take it from you and pay it back to garage at a later date, is that right? So you'll be £52 out of pocket?

[malamute]

Re: Barclays and BP and VISA time limit

If the garage fuck you about complain in writing to the bank. Then you can FOS it and get your cash back cos the bank also need to check BOTH sides with disputes to debit card transactions and they usually ask the retailer for proof of purchase. Have they done that? To do so would mean two sake receipts on different dates both at £52 using chip and pin.

That's where they come unstuck.

That's why I tried the bank first as they'd surely see I only authorised one purchase not two. Let alone at the same time for same amount. They spent 3 weeks investigating refund my £52 but today send me a letter saying actually nothing they can do as visa have a 120 day rule so speak to CAB and they'll be re debitting the £52 in 14 days.

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

If the garage fuck you about complain in writing to the bank. Then you can FOS it and get your cash back cos the bank also need to check BOTH sides with disputes to debit card transactions and they usually ask the retailer for proof of purchase. Have they done that? To do so would mean two sale receipts on different dates both at £52 using chip and pin.

That's where they come unstuck.

[malamute]

Re: Barclays and BP and VISA time limit

If you need to do a SAR then you request video footage of all your visits at pump in your car (using reg/anpr) for the periods in question. That will prove it unless you use that garage all the time - but they'll have records and the odds of getting dead on £52 again is slim.

As I say its the garage at fault here totally. Not your bank. The garage need to confirm to YOU that there should be one charge. If they ask for proof just take your statements showing the original £52 then the duplicate, then the refund on 28th feb then the new payment. That'll confirm that the garage are at fault.

I'd also demand compo from the garage plus a refund on all charges to the bank.

The garage is 75 miles away and I've never used it before or since .....

Garage manager calling me back tomorrow.

[malamute]

Re: Barclays and BP and VISA time limit

The garage will have CCTV records so go and speak to the manager and tell him to confirm in writing that you only had fuel once or you'll SAR them for CCTV footage (that's a pain to deal with as they have to edit everything except your visit lol).

Practically all you need is confirmation from garage that one charge should be applied. The second must have been CNP as well as they couldn't operate Chip n Pin on the duplicate.

Pain I know but it's the garage you need to deal with initially. Get confirmation from the garage that you only had one visit/charge due. Then you can take that to Barclays.

I'm on it!!

It's cost me bank charges and phone calls and Barclays dispute team are awful just awful.

[Never-In-Doubt]

Re: Barclays and BP and VISA time limit

If you need to do a SAR then you request video footage of all your visits at pump in your car (using reg/anpr) for the periods in question. That will prove it unless you use that garage all the time - but they'll have records and the odds of getting dead on £52 again is slim.

As I say its the garage at fault here totally. Not your bank. The garage need to confirm to YOU that there should be one charge. If they ask for proof just take your statements showing the original £52 then the duplicate, then the refund on 28th feb then the new payment. That'll confirm that the garage are at fault.

I'd also demand compo from the garage plus a refund on all charges to the bank.