Ask a Law Question, Get an Answer ASAP!
Hello and thank you for your question. My name is ***** ***** I will be very pleased to assist you. I'm a practising lawyer in England with over 15 years experience.
I'm very sorry to read of the above.
Thank you. May I ask how you paid for the cancelled orders please? For example if you pay by debit card or credit card?
Thanks. So to be clear the pending payments were removed from your bank account. Does this mean they were not charged to your bank account?
thank you. If you determine the amounts were in fact charged to your account, and you have already requested a refund from the merchant and they have not provided one, then the simplest way to obtain a refund would be to raise a chargeback request through your bank on the basis that your orders have been cancelled and the merchant has refused a refund despite your request. The chargeback is a process operated by the card issuer, be it Visa or MasterCard along their internal rules. A chargeback can typically be raised for up to 120 days from the date of the transaction.
To raise a chargeback, you may either need to contact your bank by phone or some banks allow you to raise a dispute via their website by logging into Internet banking. You will typically need to supply the bank with evidence that you have requested a refund. The bank will then refund your account whilst they raise a dispute on your behalf and they will notify you of the result of the dispute to confirm the refund amounts are final
thank you. That makes perfect sense and it is good news.
For future reference, a pending charge is appears when a merchant makes an application for money from your account. For most normal transactions, a pending charge will become a confirmed charge within around 3 days when the transaction is settled, but if a transaction is cancelled the pending charge is never settled and simply drops off your account.
some transactions stay as pending charges for a longer period - eg. it is common if you rent a car from a car rental company for them to authorise your account for an amount of deposit. This sits as a pending authorisation but only becomes a settled transaction if the rental company actually charge any amount of the deposit when the car is returned due to damage. If not the pending authorisation is released and like above the pending transaction drops off your account.
I hope that is helpful. I'm glad it was possible to quickly get to the bottom of the above issue
Quite. All the best