Debit card chargeback after a refund is refused

Start with the retailer timeline

Write down when you bought the item or service, when the problem happened, when you complained, and exactly how the retailer refused the refund.

Attach evidence in a sensible order

Useful proof may include receipts, screenshots, delivery tracking, return proof, photos, cancellation messages and the retailer response.

Ask the bank clearly

Tell your bank you are asking whether chargeback can be considered, name the amount disputed, and explain why the retailer has not resolved the issue.

Avoid overclaiming

Do not guarantee yourself a chargeback. Keep the wording factual and let the bank assess the evidence.

Related Refund Kit guides

• Refund refused UK
• Debit card chargeback template
• Retailer ignoring refund request