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Consumer

Consumer Law

Updated 2026-05-16

Chargeback Request Letter to Bank (Debit Card)

Letter to your bank requesting a chargeback on a debit card transaction where goods or services were not received, defective, or misrepresented.

When to use this template

Use this letter when you have paid by Visa or Mastercard debit card and the trader has failed to deliver goods or services, the goods were significantly not as described, or the trader has gone into administration. A chargeback is a reversal of the card transaction under the card scheme rules. It is separate from Section 75 credit card protection. Most banks require the dispute to be raised within 120 days of the transaction (Visa/Mastercard rule).

When NOT to use this template

Chargeback is not guaranteed — it is a card-scheme right, not a statutory right, and your bank has discretion. Do not use this letter where you have already received a full refund from the trader. If you paid by credit card, a Section 75 claim (Consumer Credit Act 1974) may give stronger protection — use a Section 75 letter instead. This letter is for debit card transactions.

Legal Basis

Visa/Mastercard chargeback rules (card scheme rules, not statute). Your bank's Payment Services Terms and Conditions. For credit card transactions, Section 75 of the Consumer Credit Act 1974 applies instead. The Financial Ombudsman Service can adjudicate if your bank refuses a meritorious chargeback request.

Common Mistakes to Avoid

✗Waiting too long — the 120-day window from the transaction or expected delivery date is strict under Visa/Mastercard rules
✗Not contacting the trader first — banks may reject a chargeback if you have not attempted to resolve with the trader
✗Not stating the reason code clearly — banks need to know whether the reason is non-delivery, significantly not as described, or trader insolvency
✗Confusing chargeback with Section 75 — Section 75 applies only to credit card purchases between £100 and £30,000

Build Your Letter

Fill in your details

Complete the fields below. Required fields are marked with *.

Your full name*

Your address*

Your email address*

Date of letter*

Your bank's name*

Bank's address*

Last 4 digits of the card used*

Date of the transaction*

Merchant / trader name*

Transaction amount (£)*

Reason for the chargeback*

Trader's response (or non-response)*

Optional fields

Date you contacted the trader

Any additional evidence enclosed

Letter preview

[YOUR FULL NAME]
[YOUR ADDRESS]
[YOUR EMAIL ADDRESS]

[DATE OF LETTER]

Disputes / Chargeback Team
[YOUR BANK'S NAME]
[BANK'S ADDRESS]

Account Number (last 4 digits): [LAST 4 DIGITS OF THE CARD USED]

---

Dear Sir or Madam,

**FORMAL CHARGEBACK REQUEST — VISA/MASTERCARD CARD SCHEME**

I am writing to formally request a chargeback in respect of a debit card transaction on my account, details of which are set out below.

**Transaction Details**

Transaction date: [DATE OF THE TRANSACTION]
Merchant name: [MERCHANT / TRADER NAME]
Transaction amount: £[TRANSACTION AMOUNT (£)]
Card used (last 4 digits): [LAST 4 DIGITS OF THE CARD USED]

**Reason for Chargeback**

[REASON FOR THE CHARGEBACK]

I contacted the trader on [DATE YOU CONTACTED THE TRADER] to attempt to resolve this matter directly. The outcome was: [TRADER'S RESPONSE (OR NON-RESPONSE)].

**Supporting Documents**

I enclose the following evidence in support of this request:

1. Proof of transaction (bank statement extract / order confirmation).
2. Evidence of the dispute with the trader (correspondence / screenshots).
3. [ANY ADDITIONAL EVIDENCE ENCLOSED]

**Request**

I formally request that you initiate a chargeback under the Visa/Mastercard card scheme rules and reverse the transaction of £[TRANSACTION AMOUNT (£)] to my account. I confirm that I have not received a refund from the merchant and I am not seeking double recovery.

If you decline to raise this chargeback, please provide your written reasons. If I am not satisfied with your response, I will consider referring the matter to the Financial Ombudsman Service.

Yours faithfully,

[YOUR FULL NAME]

Unfilled fields appear as [FIELD NAME]. Review the letter carefully before sending. This template is a starting point — adapt it to your specific circumstances.