For example, if an item or service is faulty, does not arrive or is not as described, customers may claim a refund from either the business or from Halifax, a spokesperson said. If a credit card has a credit balance, it will first reduce what you owe, then any remaining can be refunded to your current account, according to Halifax. The exact timeline for such refunds to reach the account was not specified.
To dispute a payment under Section 75 rights, customers need to provide a written summary of their case, a copy of contracts or invoices, and additional transactions not made on the credit card, Halifax stated. The bank may also request photographic evidence or warranties when processing a dispute. Halifax aims to resolve payment dispute claims within five working days.
It remains unclear whether there are minimum transaction amounts for Section 75 claims or any associated fees.