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Claim types
/ Card and bank billing
What is wrong with the charge?
The problem
I did not authorise it
Fraud, or a card used without you.
Goods never arrived
Not what was described
Charged twice
Wrong amount
Kept billing after I cancelled
A promised refund never came
The merchant went bust
How you paid
Credit card
The strongest position almost everywhere — the issuer is jointly liable in several regimes.
Debit card
Different statutory route, tighter clocks.
Bank transfer
Wallet (PayPal, Apple Pay, similar)
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