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If your credit card company doesn't accept that you have a claim and refuses to pay up, you can ask for a letter of deadlock so that you can refer your dispute to the Financial Ombudsman Service (FOS).
If more than eight weeks have passed since you submitted your claim to your credit card provider, you can refer your claim to the FOS straight away without the need for a deadlock letter.
Shop/online purchase In the case of tangible goods that you've purchased from a high street shop or an online retailer,you have 120 days starts from when you become aware of the problem, up until 540 days after the initial transaction.
You will NEVER be asked to pay anything; we want to bring people together, not steal your hard earned money.
Chargeback is not enshrined in law but is part of Scheme Rules, which participating banks subscribe to.
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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.
However, if an airline had told you at an earlier date that the flight would not be going ahead, the breach of contract that allows for chargeback would not apply.
If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.
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