eBay

coveboy · ‎17-01-2025

Having had my charge back credit removed from my account Barclays said I should again contact EBay. Managed to speak with two people on separate occasions ( 08003586551 option 3 ) both reviewed my case saying EBay could not help ( Evri random photo showing parcel delivered but with on map reference which EBay class as delivered) and I should contact bank again. Will be contacting Barclays in the week, reminding them of my three accounts which I have had for over fifty years but I expect this means nothing to them. This hole pain in the ass problem has been caused by an Evri stand in not delivering parcels correctly and trying to contact a person seems impossible.

sml192 · ‎18-01-2025

Ebay/seller must have provided your card issuer with evidence that convinced them that the chargeback was unfair.

Changing this outcome will be difficult now but the following information may be of help:

Warning. Money refunded via chargeback can be 'clawed back'

Chargeback can be a very effective way of getting a refund – yet it is important to understand that, in practice, you are disputing a payment.

And that means the firm which you are depriving of your payment has an opportunity to dispute what you're doing and "clawback" the payment.

Here's how it works:

Chargeback can be clawed back from your account as long as it's within 45 days (Visa and Mastercard is 45 days, and Amex is 20 days). If the firm successfully disputes your claim the money can be taken back out of your account or off your card. But after that, you can be pretty confident the money is yours to keep.
This is most likely to happen in unclear situations.
If your chargeback is clawed back, you can fight it. There are two main ways to dispute a chargeback clawback. The first is to go to your bank and make a formal complaint about the fact that the money has been taken. If this doesn't work and your complaint fails, you have a right to go to the free Financial Ombudsman Service, which will adjudicate.

Alternatively, a lesser-known method is to use American Express, Mastercard or Visa's own dispute process and arbitration. If you do that though, remember that the Financial Ombudsman doesn't cover those firms, so you won't be able to appeal to it later.