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Chargeback Procedure Explained for Delft Residents

Discover how Delft residents use chargeback for credit card refunds in fraud or non-delivery cases. Steps, rights, and tips via Juridisch Loket Delft. (128 characters)

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The Chargeback Procedure Step by Step in Delft

The chargeback procedure helps Delft residents recover money from credit card payments in cases of issues such as non-delivered goods, fraud, or defective products. This banking mechanism provides additional protection beyond the standard cooling-off period and is ideal for local online shoppers in Delft.

What Does the Chargeback Procedure Entail for Delft Residents?

A chargeback, or 'refund', is a dispute resolution process handled by credit card providers such as Visa, Mastercard, and American Express. In Delft, you can invoke this for issues with purchases from webshops or physical stores in the region, paid by credit card. The bank temporarily refunds the amount during the investigation – a contractual service, not a statutory right.

Unlike simple complaints to sellers, your bank negotiates directly with the seller's bank (acquirer), making the process more efficient for Delft residents.

Legal Basis for Chargeback in the Netherlands

Chargeback is not based on a single law, but on various frameworks:

  • Dutch Civil Code (DCC), Book 6: Art. 6:230p DCC requires correction for unauthorized debits. Art. 7:46 DCC (sales) and Art. 6:271 DCC (distance sales) provide the basic consumer rights.
  • PSD2 Directive (EU 2015/2366): Banks must process fraud chargebacks (arts. 72-74), as implemented in the Financial Supervision Act (FSA).
  • Card Rules: Visa/Mastercard rules (e.g., code 13.3 for non-delivery) bind banks.

The ACM and DNB provide oversight. Delft residents can consult the Juridisch Loket Delft with questions.

Step-by-Step Guide to Requesting a Chargeback from Delft

Act quickly: deadlines often run up to 120 days from transaction or delivery date.

  1. Complain to the Seller: Send evidence (receipt, emails) and wait 14 days. Document everything.
  2. Contact Your Bank: Call or use the app/online banking. Complete the form with details, reason, and uploads (photos, logs). Tip: start at Juridisch Loket Delft for a free check.
  3. Provisional Refund: Often within 10 working days, sometimes with €15-25 fee.
  4. Investigation Phase: Banks exchange evidence (30-90 days).
  5. Decision: If you win, the money stays refunded; if you lose, repay it. Appeal possible.
  6. Escalation: After rejection, go to the Disputes Committee, ACM, or District Court of The Hague. Fraud? Report to police and bank immediately.

Example 1: Non-Delivered Gadget from Delft

You buy a €800 smartphone with Visa from an online shop in Delft. Weeks pass with no delivery via PostNL. Webshop ignores complaint; start chargeback with your bank using order and tracking details. Investigation succeeds: money refunded.

Example 2: Credit Card Fraud in Delft

Card details stolen for €500 tickets. Report to bank and Delft police. Fraud chargeback approved within 10 days, without seller evidence.

Rights and Obligations in Chargeback for Delft Residents

Your Rights

  • Refund for non-delivery, defects, fraud, duplicates, or description mismatch.
  • Coverage up to €30,000 (card limit).
  • Free if successful.

Your Obligations

  • Provide evidence: invoices, chats.
  • No fraud: false claims are punishable (art. 326 Criminal Code).
  • Meet deadlines (120-540 days).
Comparison: Chargeback vs. Right of Withdrawal
AspectChargebackRight of Withdrawal (DCC art. 6:271)
Applies toCredit card onlyAny payment, distance sales
Deadline120 days14 days
ProcedureBank-drivenWith seller
FraudYes, expeditedNo

Frequently Asked Questions about Chargeback in Delft

Can I use chargeback for debit card payments in Delft?

No, only credit card. For debit: bank procedure or seller directly. Apple Pay etc. follows the card type.

How long does it take in Delft?

Provisional: 10 days. Total: 30-90 days. Fraud expedited.

Rejection? Next Steps

Appeal to bank with more evidence. Then Disputes Committee, ACM, Juridisch Loket Delft, or District Court of The Hague.

For Subscriptions?

Yes, for failed services. Cancel first.

Tips for Delft Residents

  • Archive Evidence: Always save invoices, emails, and chat histories.
  • Consult Gemeente Delft or Juridisch Loket Delft for local advice.
  • Choose safe local shops in Delft city center.
  • Check credit card terms with ING/ABN AMRO.