I mean, look on the Visa UK website - doesn't mention ANYWHERE how to get a chargeback. People may *think* that Visa have made them, but it's the chargeback department in a Bank. That's all. Sorry to bust your bubble, but Visa have got better stuff to worry about. That's why they and AmEx and MasterCard give banks the software and regs - so they can handle them themselves.

Dude, that doesn't make sense. Dafuq? Think as you wish - my experience is that the overwhelming majority of people are stupid and don't even know the difference between a fraud and a dispute. Most people don't even know the difference between a bank and a card issuer. So it stands to reason that most people can't understand exactly who does their chargeback. Your assertion that the chargeback would just be made without any supporting docs or evidence is BS too. When processing a chargeback through mastercom, you have to scan a declaration from the customer as well as something in writing confirming why they're getting a chargeback. There's a fair degree of investigation too, including working through a fairly extensive list of requirements. Banks don't just dish out chargebacks like sweeties. Funny, isn't it, that I worked there for a couple of years and I never once heard of Visa making a chargeback. I smell BS.

It's *not* Visa that does it - it's the chargebacks department in your bank, working to the regs Visa/AmEx/MC issue, and using their software (I know the MC one is called MasterCom) to process it. Should know and all, seeing as how I used to process chargebacks for a living and all...

I got in touch with a mate of mine that works in LBG debit card disputes and chargebacks team. Basically, with the visa chargeback scheme for debit cards, there's a massive book of rules and regs they have to follow in order to make a chargeback. It's similar in a way to the credit card scheme - this is what I'm familiar with as I worked in the credit card chargebacks team for a year or so. One of the reason codes - that's the reason or justification for making the chargeback - is non-receipt of refund as promised by the merchant. In order to satisfy visa that the chargeback is legit, you need confirmation IN WRITING (as an e-mail or a letter) giving a time frame in which the refund will be made, and proof that this hasn't happened. The moral of this is : DO NOT speak to these people on the phone. In the first instance, e-mail them asking them for their cancellation form, and send it back to them. Ask them in this e-mail, when you can expect the refund to be made. They'll give you the "it'll be done in 30 days" spiel, fail to adhere to that, and after 30 days (provided you keep the e-mail) you can ask your bank for a chargeback on the basis that you *were* promised a refund, but that it's not been made in the timeframe you were given by the merchant. Simples. But only if you have an e-mail confirming that you'll get the refund. I hope this helps though. I got my paperwork through from Barclays today and have printed off the e-mail. It'll be processed sometime next week, and usually takes a couple of working days. That's not the end of it though- the merchant *can* make a represent for the funds. But if you contact myloan and send them an e-mail advising that, in spite of previous correspondence stating you will get a refund you've still not had one, and tell them that you have asked your bank to process a chargeback on grounds of that refund not being received, AND that you consider the matter closed on their end and that you do not wish them to process the refund, you'll wait for the chargeback AND keep the e-mail and send a copy to your bank, you'll be fine. I hope that helps anyone who's still experiencing grief from these morons. And BrownEggs - are you sure that you actually spoke to visa? There seems to be a lot of confusion amongst people about how the chargeback scheme, customers included. Let me explain - in every financial institution that issues cards, there is a chargeback team. (chargebacks and disputed transactions are the same thing - fraud is a whole other kettle of fish and not the same thing at all). The chargeback team is part of that financial institution, but they work to and use computer software, regulations, hand books etc issued by the card issuer (Visa, AmEx, etc). If you speak to the chargeback team, you are NOT speaking to Visa/AmEx/whoever. You're speaking to a specialised team within that financial institution. the card issuer has little to nothing to do with the chargeback in that regard - they do not investigate the matter or process the refund or anything. Basically - staff who work in the branches or the general call centres of a bank know very little at all to do with the chargeback process, so don't believe anything they tell you. It's a highly complex and very specialised department.