In Reply to: I don't think it's that simple. I'm with posted by Fiona on Saturday, 7. January 2006 at 08:47 Bali Time:
It does not matter if you are with a credit company or bank.
here is a link to consumer credit legal centre.
http://www.cclcnsw.org.au/DFT_Project_2002/module_18_Banking/fs_chargebacks.html
PART OF INFO ON SITE
A "chargeback" is the name given for when your financial institution sends back a debit on your account to the merchant's bank. Your financial institution, the card operating scheme (for example, Visa) and the merchant all enter into an agreement with rules governing the credit card scheme. Under those rules, the financial institution can in certain circumstances chargeback a transaction within a specific timeframe. Some examples of those circumstances are:
When the transaction was unauthorised
The merchant did not deliver the goods or services to you
The goods or services were not as described.
IF PROBLEMS WITH BANKS OR CREDIT UNIONS ISSUING REFUNDS
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.