ESB eCars

ELM327

https://www.boards.ie/discussion/comment/122363911#Comment_122363911

You charge back the topup amount?

kennethsmyth

https://www.boards.ie/discussion/comment/122367121#Comment_122367121

Yep chargeback the popup amount less any services that were provided. The 14eur service was not provided.

CoBo55

https://www.boards.ie/discussion/comment/122367121#Comment_122367121

I can't see that working, top up by say €20 a few weeks ago get €14 taken in error and then try to claim the whole €20 back? Worth a try maybe but I couldn't see it happening.

ELM327

It probably won't work but as someone with 15+ years in finance, chargebacks will annoy the merchant (ecars in this instance) with so many fees etc so worth doing even if you lose.

CivilEx

I have only ever instigated a chargeback (successfully) once, where Aer Lingus were the offending party and Bank of Ireland were my credit card provider. The first thing I would say is that the Bank will want to be satisfied that the steps that have been taken to resolve the matter have been reasonable and proportionate. The second aspect is that enough time has elapsed for the systems of the merchant to have processed the correct payment - I have seen Ionity take more than a month for example.

I don't work in the banking sector btw….just my very limited experience as a consumer and dealing with the Bank at the time.

ELM327

https://www.boards.ie/discussion/comment/122367675#Comment_122367675

You have (usually) 45 days from the date of expected fulfilment to issue a chargeback. This varies significantly between different card brands, different issuers and different networks. If you have a premium Amex, there is no time limit!

You need to prove certain things, depending on the reason code category. In this instance you'd be filing under services not rendered. You therefore would need to show communication to the merchant and either the merchant refusing to remedy, or not responding. You do not need to wait for the merchant "to process the payment" that's not a thing.

Red Silurian

With regards to issuing chargebacks against ecars, it's possible that just the threat of a chargeback will be enough to change their mind

Also don't discount the small claims court. It will cost you a tenner but it's the principal of the matter at this point really

CoBo55

https://www.boards.ie/discussion/comment/122368292#Comment_122368292

I did it with Ulster Bank once and I had to wait for the payment to complete before initiating the chargeback.

ELM327

https://www.boards.ie/discussion/comment/122370641#Comment_122370641

Sounds like you had an authorization rather than a payment. I literally deal with this on a daily basis and there isnt such a thing as waiting for a payment to "complete". Payments complete once they send from the issuing bank and are accepted in the receiving bank. 24 hours is more than enough.

Sounds like you were speaking to someone in UB who didnt know what they are talking about. Pretty common unfortunately, chargebacks (especially for quality of service or INR - item not received - as opposed to stolen financials or unauth) are not well known even in banks.

markpb

https://www.boards.ie/discussion/comment/122370844#Comment_122370844

It's rare but there are merchants who don't batch daily for some reason so you end up with a delay between authorisation and settlement. You can't start a dispute until the settlement record has been received. There are also times like bank holidays when settlement isn't processed by the issuer for several days after the authorisation.

ELM327

https://www.boards.ie/discussion/comment/122371264#Comment_122371264

Yep, 24 business hours usually. Unless it's an authorization payment (referred to as a payment hold). I currently manage interchange and scheme optimization at a large tech co so I'm familiar enough with the process.

rodneytrotter15

Used the new chargers in the Crescent Shopping Centre Limerick for the first time yesterday. Only noticed that they went in last week and I live less than two miles from the place. Mighty job with 6 200k/w chargers and were badly needed on that side of the city.

Red Silurian

https://www.boards.ie/discussion/comment/122383971#Comment_122383971

If you think 6 chargers are good just wait till you see that there's actually 8 of them there