The service that few people know – without the goods, can be recovered by simply contacting the bank

DELFI received a letter from the reader that he discovered the billing service and decided to use it. True, he said that it was not so easy to do, so there was even suspicion that this service was not really working in Lithuania.

"I was confident that with my VISA card, I could buy online securely and that I simply had to collect evidence (purchase, money, product received or not) at the time of purchase. When a seller from another country was cheating me, I was absolutely sure that when I would go to the bank and that I was saying that I needed a chargeback service , the bank would try to help me in this regard. I went there with all the evidence that money had been cheated by me, but unfortunately, I was uncomfortable. It was said that under the Lithuanian law, the bank is not allowed to cash in any way from another person's bank account without his consent . According to what I understood, the bank staff did not even know the existence of a chargeback service and had offered to contact the police, "writes the reader in a letter to DELFI.

Lithuanian banks claim that this option really exists for all customers and payments made with a payment card.

Guarantees to recover money – no

Banks in Lithuania confirm that the possibility of recovering money exists for each customer. However, several aspects are important, whether a person wants to recover money because of a lost product or a fortune, or that she has transferred her own data. So each situation is explored separately.

The Swedbank spokesman, Saulius Abraškevičius DELFI, explains that there is a dispute resolution solution with a merchant of goods or services, whether his goods or services have been settled with a credit card, but this product or service has not been delivered to the customer for reasons beyond the control of the Bank.

"If a customer fails to resolve a dispute with a service or merchant independently, the bank may represent that customer and contact the seller's payment service provider to dispute the credit card. However, the bank can not guarantee that the money will be returned due to a duly authorized payment transaction.

Any customer of the bank who has executed a transaction with a payment card may file a claim with the bank issuing the card. Each situation is individual and is usually treated separately. However, the client's request may be rejected as unfounded if the funds have been successfully transferred to the investment account. According to the rules in force, investment operations can not be challenged, "he explains.

Luminor's communications officer, Giedrė Bielskytė, said that one of the prerequisites for recovering funds was that the operations were illegal and that the licensee knew nothing about it and did not participate in any of the stages of the recovery. process, that is to say. there. does not disclose the details of the credit card.

"Every situation is badyzed individually and a chargeback service can only be used after all circumstances. The customer should provide as much detail as possible about the event – this is usually done by the customer when he fills out the request. Other documents are specific to the situation: in case of loss of goods – order confirmation documents, delivery rules of the order, proof that the customer has tried to peacefully resolve the situation with the seller.

In the case of goods not received or damaged, proof of non-conformity of the quality of the goods must also be provided. The same is true for services not provided. It is very important that customers try to resolve the situation peacefully with the supplier of goods or services and keep the documents (letters, messages, etc.) confirming it ", – comments G. Bielskytė.

SEB Bank spokesman Ieva Dauguvietytė-Daskevičienė said the bank offered a money transfer service when the customer had made a transfer of funds from his account by mistake, but not to the beneficiary, etc. case. However, according to SEB, if the funds are already credited to the beneficiary's account, they will only be returned to the client if the beneficiary agrees to reimburse them.

"In cases where the customer has chosen a bank payment card in an online store and suspects that he is a victim of fraud, he must immediately notify the bank. If the details of the card have been disclosed to fraudsters or if it is suspected that this may happen, we recommend that you block it immediately. The bank will recycle the card for free and thus prevent the illegal use of the client card in the future. If the card has already been subjected to unauthorized transactions that the customer has not made, the bank will compensate the losses incurred.

In some cases, the bank also reimburses the costs incurred by the customer to carry out transactions with a legal card, but did not receive services or goods, for example. but did not receive service because the airline went bankrupt. These cases are handled individually in cooperation with the international organizations VISA and Mastercard. Therefore, if the customer has paid for the card and has not received the service, we always advise to contact the bank for a possible refund from the merchant, "says a representative of SEB.

There is no limit of money, but it is an important moment

As claimed by the banks' representatives in the three largest countries, recovery can be applied without limit. However, the time needed to make a difference is different. Suitable for any of them, it is recommended to contact the customer as soon as possible.

The Luminor representative indicates whether the client is seeking to recover funds that have been amortized during an illegal transaction – the Payments Act sets a deadline of 13 months. payment period. If the client applies for another situation, the period may be individual, but it is recommended not to exceed 4 months. after the operation.

"In any case, we encourage you to contact us as soon as possible if the customer has not solved the problem," adds G. Bielskytė.

The Swedbank representative states that the customer must address the bank no later than 60 calendar days after the start of the disputed payment transaction. Or, within 60 calendar days of the scheduled date of delivery of the service or delivery of the goods, if that date is after the date of the disputed payment transaction.

"When applying to the bank, the customer must complete a Swedbank claim form, provide proof that the customer has contacted the merchant prior to forwarding to the bank, as well as provide other documents and information specified by the bank, "he adds.

It should be noted that such a service may incur additional charges. For example, in bank SEB, this service can be withdrawn from 10 to 45 euros, depending on whether the money has already been credited to the beneficiary's account or if it has been transferred there are less than 2 month.