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Though as a point of interest my small UK-based B2C has seen significant abuse of card chargebacks (i.e., chargebacks issued against legitimate charges and the
by Silhouette 5y ago
Though as a point of interest my small UK-based B2C has seen significant abuse of card chargebacks (i.e., chargebacks issued against legitimate charges and the banks rejecting our dispute) but never a single abusive reversal under Direct Debit, even though in theory the Direct Debit has that indefinite liability attached. I suspect this is because in practice you can issue a chargeback because you didn't like the way someone sneezed and a lot of banks will uphold it while you normally have to give a valid reason to reverse a Direct Debit transaction.
- dcomp 5y agoProbably because you can't dispute for any reason. But if there wasn't enough notice. If you don't give 10 working days notice (unless initiated by the person). An immediate refund can be requested. Bad service isn't a reason for a refund. And if the person doesn't say "This debit was in error. I wasn't given notice" or similar the bank will usually say this is a legitimate direct debit [0] https://www.directdebit.co.uk/DirectDebitExplained/pages/directdebitguarantee.aspx https://www.directdebit.co.uk/DirectDebitExplained/pages/dir...