Chargeback claim

This letter cites the following authority, which the AI has checked against current GOV.UK / legislation.gov.uk:

• Visa Operating Regulations / Mastercard Chargeback Guide (scheme rules): these are private contractual rules, not statute. The 120-day chargeback window for Visa and Mastercard is correctly stated as the standard rule — but the actual window varies by reason code (some codes start from discovery, not transaction date) and can be as short as 75 days or as long as 540 days in specific circumstances. Reviewer should ensure user guidance reflects this nuance.
• Section 75 Consumer Credit Act 1974 (£100–£30,000): confirmed currently in force; the joint-and-several liability mechanism and the monetary threshold are correctly stated in the alternative section of the letter.
• Financial Ombudsman Service referral: correctly referenced; the FOS can adjudicate both chargeback and Section 75 disputes. FOS award limit is £445,000 for acts/omissions on or after 1 April 2024 — not stated in this letter but not necessary for a chargeback claim.

Reviewer focus areas: (1) The 120-day figure is a simplification — Visa and Mastercard both have complex multi-category chargeback windows. Reviewer should confirm whether a single "120 days" figure is appropriate or whether user guidance should warn that some transactions have shorter windows. (2) Confirm that the scheme rules have not been materially updated since 2024. (3) Verify that the letter's invitation to treat this as a Section 75 claim for credit card transactions is correctly conditional on the £100–£30,000 range.

This AI cross-check is an aid only; final sign-off requires a regulated solicitor.