In Reply to: Visa refunded me posted by sueand kids on Wednesday, 4. January 2006 at 16:54 Bali Time:
How to request a chargeback
As you only have a certain amount of time to request a chargeback you should request it in writing as soon as possible.
Write to your financial institution (that issued your credit card) stating that:
You are requesting a chargeback of a transaction on your credit card
Give details of the transaction including the amount and the date
Give the reasons why you wish to chargeback the transaction.
Keep a copy of the letter. A Sample Letter: To financial Institution Requesting a Chargeback is available at www.cclcnsw.org.au/sampleletters.
What if the financial institution refuses to chargeback the transaction?
If the financial institution refuses to chargeback the transaction, you should make a complaint to an external dispute resolution scheme. The relevant schemes are:
Banking and Financial Services Ombudsman (Ph 1800 337 444 Toll Free). Also see Fact Sheet: Making a complaint to the Banking and Financial Services Ombudsman available at www.cclcnsw.org.au/factsheets .
Credit Union Dispute Resolution Centre (Ph 1800 624 241 Toll Free). Also see Fact Sheet: Making a complaint to the Credit Union Dispute Resolution Centre available at www.cclcnsw.org.au/factsheets .
Financial Co-operative Dispute Resolution Scheme Ph 1300 139 220 or visit www.fcdrs.org.au for some credit unions and building societies.
If the consumer's financial institution is not a member of an external dispute resolution scheme, the consumer may be able to make a complaint to the Consumer, Trader & Tenancy Tribunal (Phone: 1300 135 399 or visit www.cttt.nsw.gov.au). Seek legal advice on how to do this.
You should always lodge your complaint as soon as it is clear that you cannot resolve your dispute with your financial institution as time limits apply to your right to complain.
If you are unsure which scheme your financial institution belongs to, ask the complaints staff. The schemes above will also usually be able to point you in the right direction.