Интересные факты про Chargeback - оказывается, мы право имеем (до 4 или 6 месяцев), смотрите сами:
Your rights when paying by credit card Chargeback on credit and debit cards
Chargeback may be possible … for example for items of £100 or under, or debit card purchases
Chargeback is a process allowing you to ask your card provider to reverse a transaction if there's a problem with something you've bought.
It applies to all debit cards, although exact rules may vary between the Visa, Maestro and American Express networks.
Chargeback also applies to credit cards and is particularly useful for goods costing less than £100, for instance.
When can chargeback be used?
Chargeback can be used in cases of goods not arriving, arriving damaged, arriving not as described, or where the merchant has ceased trading.
You can ask your card provider to try to claw back the money you paid or part of it.
If, for example, you ordered two items but only one arrived, you can ask for the money back on the item you didn't receive. But you can't claim back the cost of fixing a faulty item.
Chargeback doesn't mean there is joint liability on the card company in the way that Section 75 does. (не знаю про раздел 75, но пишут что он чаще применяется)
Claims must be addressed to the bank that provides your debit or credit card, which in turn will put in a request to the merchant's bank.
As a result, you could get your money back from the merchant's bank if the money is there to be recovered.
But, there are no guarantees your bank will be able to recover the money through chargeback, or that the trader will accept that you were justified in taking the money back.
The trader could argue that you're in breach of contract for not paying.
Conditions and requirements of chargeback
The main requirement for getting your money back is evidence that there's been a breach of contract. То есть что именно - доказательство что мы не получили посылки?
There is also a time limit on claims - typically 120 days - which starts from the day you become aware of a problem.
In the case of tangible goods that you've purchased from a high street shop or an online retailer, the time limit would start from the day you receive your items.
Chargeback troubleshooting
If you have any trouble when putting in a claim to your credit or debit card provider, try asking to speak to a supervisor. Chargeback is less well-known than section 75, and some bank staff may not be aware of this rule.
If your card provider rejects your chargeback claim, you can take your case to the Financial Ombudsman Service within six months of your final correspondence.
Как-то так, для общего развития, еще поищу на русском, но и так понятно. Это еще один инструмент в наших руках. Не хотелось бы до этого доводить, но если надо - то мы завсегда...