What debit card payment protection is there?
Debit cards don’t offer payment protection under Section 75 of the Consumer Credit Act, but are covered by something called chargeback. Chargeback covers you if an item you’ve bought is damaged, faulty or doesn’t arrive.
You’ll typically have 120 days from the date of the transaction to contact your bank to make a claim. You’ll also be expected to provide evidence that the item is damaged, faulty or didn’t arrive, along with proof you bought it.
Unlike Section 75, chargeback isn’t legally binding and your bank doesn’t share joint liability with the seller. When you make a claim, your bank will put in a request to the seller’s bank to claim the money back. The company can always dispute your claim, so there’s no guarantee that your bank can get your money back.