Debit card chargeback?

I recently purchased an item from a website, using a visa debit card. The item I was sent was not the item ordered, what are my rights regarding making a chargeback, or somehow getting the bank to retract the payment for this item.

I have contacted the company concerned, who have not replied to my emails, and when I phone they promise to call me back but never do.

Thanks for any replies.

This is good advice! Debit card fraud means they steal *my* money vs credit card fraud where they steal the *banks* money!

You appear to be operating under the delusion that if you dont use your debit card on any web sites then it cant be cloned and cant be used on the internet!! Bought any petrol at a Shell station recently? If you have a debit card, and *never* use it on the internet, it might still get cloned and then **still** appear on the dreaded internet (hey, whats wrong with other types of fraud like the clone being used at ATMs anyway??). Not using it on the internet will make *very* little difference to the chances of it being cloned and none whatsoever of the clone being used on the net.

A much better statement is "word of advice - never use your debit card on the internet because compared to a credit card, you lose most of your consumer protection."

You're obviously reading something between the lines of my post. I know that a card can be cloned *anywhere*, and my post made absolutely *no* refernence to the internet. All I said was....."if somebody manages to clone it". I see no reference to the word "internet* in that comment.

Now get off your high horse, Tonto.

I can't really see any point in using a debit card to make purchases unless you are desparate for "cashback" (which a credit card can't do).

You're talking rubbish!

You said: "never use your debit card on the internet because if somebody manages to clone it, they have access straight to your bank account,"

There's your mistake, you need a guide dog, not a horse. Look at what you wrote, first para above, second line, fifth word, which begins with 'i', ends with 't' and bears a 100% resemblance to the word 'internet'.

I saw on tv ages ago a bank admitting that a visa debit card was just like a real visa. Ring the bank. Visit the bank.

Adrian Boliston wrote

Well, if you are booking a holiday they usually make a charge for credit card purchases, and there is a hypothetical charge on many CC purchases from stores, but which you don't actually pay (yet).

I know, I know, it's a fiddle on the part of the store's accounting, but...

It can be done. I've done it with an eBay purchase, which was not delivered.

Contact your bank. Mine (Lloyds TSB) was very helpful. I had to wait 30 days, then send them copies of any correspondence (all emails, in my case).

Hope this helps.

Barry

Was that a debit card or a credit card? It makes a big difference.