nationwide visa chargeback dispute

[be96erj]

Does anyone have a link to the UK Visa chargeback policy?

 

I am trying to do a chargeback on my visa debit card and Nationwide are dragging their heels, stating that I am out of time (120 days).

 

However it is my understanding that if a service/goods is purchased in the future then there is a 540 day limit to claim.

 

Also, the 120 day limit can start on the day that the problem is known about.

 

Its a bit confusing cos moneysavingexpert states that the 540 day limit can be used if there is services are brought for a future date e.g. concert tickets.

 

Which? states that the 120 day time limit starts from the day the problem is recognised, upto a max of 540 days.

 

Who is right?

[fkofilee]

http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback

[be96erj]

thanks for the link, however I have seen it already.

 

the confusing part is the wording in one of the paragraphs:

 

When this starts depends on the specific circumstances but will usually be from the day you become aware of a problem.

 

does anyone know when the 120 days starts? According to which? it is usually when the problem is noticed, according to MSE it is when the transaction takes places, but there are exceptions!!!

 

this is so unclear

[dx100uk]

why are NW refusing CB?

 

 

its when you realise the problem.