Not sure if this is the right place to post but my post is about how UNFAIR and rubbish the Debit card Chargeback scheme is. Wanted to let you know that I am in dispute with Lloyds bank as I asked them to put their visa/chargeback scheme in place earlier this year. My current account was defrauded by a company called MIYU Ltd, trading as Local Events Calendar who scammed me for nearly £500. They cold-called me asking if I wanted a 21 free day trial of an online ad for my company on their site. I agreed but they failed to display the advert and still took the funds out of my account. This fraudulent company are now in liquidation. Consumer Direct said that I was due a full refund as the Company had breached Trading Standards and Cosumer Rights etc. The day they scammed me I rang Lloyds and told them what happened. Lloyds said they would put the Chargeback scheme in place and hopefully refund my account. However the fraudulent company put in a counter claim and for whatever reason Lloyds took their word over mine and said they would not refund me for the [problem]. I have been a Lloyds customer for 30+ years with a good credit history. I contacted customer services complaints at Lloyds with evidence and a long explanation of how I'd been scammed, and was sent a 4 line reply saying, sorry we can't help you and a leaflet for the ombudsman. I rang to complain and was told the same thing. I am seeing a Lloyds Bank Manager in person next week to see if I can get any sense out of them before I have to go to the ombudsman. I have learnt from this affair that Lloyds Bank don't give a toss how long you have had your account. I believe they are told behind closed doors to palm people off to the Ombudsman. They made 1.6 billion profit in the first half of 2010. I am disgusted by them. When this is over I shall leave, result or no result. Thanks for reading

Hi All, I had real problems finding these, so I thought I'd post them here for the benefit of all... (link removed until I have 10 posts)

Hi I wonder if any one can help me as I am confused. my friend has an easycash visa electron card and he recently used it online to make a purchase on my behalf. Unfortunately the part never arrived this was 54 days ago we have contacted the firm 6 times by telephone and they keep fobbing us off saying a refund will be done soon. I wondered if the visa electron is covered by the visa chargeback scheme as this covers visa debit cards and as it has the visa logo and it is described as a debit card on the halifax site, then it should be covered by the scheme. Well that is what I think, by reading between the lines in the ts and cs of the easy cash account. But it doesnt actually state that the chargeback scheme applies or if it doesn't. I just wanted to know if anyone has any experience with the visa electron card and chargebacks and could advise me what happened to them. As my friend seems convinced that the visa electron is not covered by the chargeback scheme and keeps telling me to get some proof that it is covered and then he will get on to the halifax, but he keeps saying he has read online that it isnt covered blah blah and forget it and forget getting a refund. But I am so annoyed with him it is ok for him to say I have already given him the money to pay for the part so he isn't out of pocket but I am, and I can not afford to loose £72 just like that. This company has basically theived from me and i want my money back somehow. Any advice would be great thank you cher69cher69