Chargeback Request Letter

#When to Use Chargeback

✅ Goods didn't arrive

✅ Goods were faulty or not as described

✅ Service wasn't provided

✅ You were charged the wrong amount

✅ You were charged twice

✅ You didn't authorise the transaction

✅ Company has gone bust

#Chargeback vs Section 75

Feature	Chargeback	Section 75
Card type	Credit AND debit	Credit only
Minimum	None	£100
Maximum	None	£30,000
Time limit	Usually 120 days	6 years
Legal basis	Card scheme rules	Law
Best for	Speed, debit cards, small amounts	Legal protection, larger claims

📊 See the full comparison: Section 75 vs Chargeback

#Template Letter

[Your Name]
[Your Address]
[City, Postcode]
[Your Email] | [Your Phone Number]
[Date]

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Chargeback / Disputes Team
[Bank/Card Provider Name]
[Address]
[City, Postcode]

Subject: Chargeback Request
Card Number (last 4 digits): [XXXX]
Account Number: [If applicable]

Dear Sir/Madam,

I am writing to request a chargeback for the following transaction:

#Transaction Details

• Merchant name: [Name as shown on statement]
• Transaction date: [Date]
• Transaction amount: £[Amount]
• Reference: [If shown on statement]

#Reason for Chargeback

[Select the applicable reason:]

☐ Goods/Services Not Received

I paid for [description] on [date]. The merchant promised delivery by [date] but the goods/services have not been received. I have contacted the merchant on [dates] and [describe response or "received no response"].

☐ Goods Not as Described / Defective

I received [description] on [date]. The goods are [not as described / defective] because [explain the problem]. I contacted the merchant on [date] to resolve this and [describe response].

☐ Service Not Provided as Agreed

I paid for [service] which was supposed to [describe what was promised]. The service was not provided / was significantly different because [explain].

☐ Duplicate Transaction

I have been charged twice for the same transaction. The duplicate charge appeared on [date].

☐ Incorrect Amount

I was charged £[amount charged] but should have been charged £[correct amount]. The difference is £[difference].

☐ Cancelled Recurring Payment

I cancelled my subscription/recurring payment on [date] but have continued to be charged. I have evidence of cancellation.

☐ Merchant Has Ceased Trading

The merchant has gone out of business and I have not received the goods/services I paid for.

☐ Unauthorised Transaction

I did not authorise this transaction. I have never heard of this merchant / my card was lost/stolen / this is fraud.

#Steps I Have Taken

1. [Date]: [Action – e.g., "Contacted merchant by email requesting refund"]
2. [Date]: [Response or "No response received"]
3. [Date]: [Further action taken]

[If applicable:]

I have been unable to resolve this with the merchant directly because [they have not responded / they refused to help / they have ceased trading].

#Evidence Enclosed

• Copy of card/bank statement showing the transaction
• Order confirmation / receipt
• Correspondence with the merchant
• Photos of faulty goods (if applicable)
• Proof of cancellation (if applicable)
• [Other relevant evidence]

#Refund Requested

I am requesting a full refund of £[Amount] via chargeback.

#Time Sensitivity

I understand that chargeback requests are time-sensitive. Please process this request urgently.

Yours faithfully,

[Your Signature]
[Your Printed Name]

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#How to Submit

Most banks prefer you to:

1. Call them – Quickest way to start
2. Use online banking – Many have dispute forms
3. Write – Use this letter if needed

#Time Limits

Reason	Time Limit
Goods not received	120 days from expected delivery
Goods faulty/not as described	120 days from discovery
Services not provided	120 days from expected date
Duplicate/incorrect charge	120 days from statement
Fraud/unauthorised	Report immediately

#What Happens Next

1. Bank investigates – May take 2-8 weeks
2. Temporary credit – Some banks credit your account while investigating
3. Merchant can dispute – They have a chance to respond
4. Final decision – Bank tells you the outcome